BySuraya
You’re familiar with monthly expenses. The biggest chunks are usually Accommodation+Transportation+Food. Plus Loan Repayments for some people. How about annual expenses? Are you already familiar with yours? These are payments that you make sporadically – either once a year, or once every few years.
BySuraya
‘I just want a simple life’ – me, and probably a good chunk of RoR readers, thinking that it’s cheap. No, not really. It is a misconception that the simple life is cheap. Yes, perhaps it is much cheaper than the luxurious life (often funded by debt, but let’s not go there). I’m talking about…
BySuraya
Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. So how was your July? Was it good, bad or meh? For me, July 2022 represents a new phase in my life – the ‘I deserve this’ phase. Let…
![30 Healthy Financial Habits You Should Have by 30 [SPONSORED]](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2022/07/financial-habits.jpg?fit=768%2C384&ssl=1)
BySuraya
Which healthy financial habits have you cultivated, and which do you still need to implement? Go through this checklist and find out what you need to work on next. 1. Calculate your monthly expenses You should have a rough idea how much you are spending every month, for both fixed expenses (the same amount every…
BySuraya
I consider myself a fairly frugal person. Sometimes, people think frugal means ‘don’t spend at all’. That’s not true – it simply means I spend on what I love and cut out the rest. I still love getting the most value for my money, but I also love making a purchase that may be expensive…
BySuraya
Is budgeting a waste of time? When I first came across this question, I thought pfft, of course not, budgets are the most useful thing ever! So why did this CNBC Make It video argue that budgets are a waste of time? What is the biggest problem with budgeting? In the video, senior money reporter…
BySuraya
Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. So how was your March? Was it good, bad or meh? For me, I have mixed feelings about the endemic phase. Now, OBVIOUSLY the pandemic was bad. Millions of…
BySuraya
I did it, I passed my CFP exams and ended my CFP journey! I have successfully completed all four CFP Modules and done with this certificate in financial planning! …But I’m not a Certified Financial Planner, do not offer financial planning services, nor can I take clients. I’ll explain that part in a bit 🙂…
BySuraya
Some time ago, I was introduced to the concept of JOMO – Joy of Missing Out. It was such a simple concept, yet it changed my life so much, for the better. But I’m getting ahead of myself. Let me introduce what it is. What is JOMO You might have heard of FOMO – Fear…
BySuraya
Planning your own Turkey trip from Malaysia? Or to them, Turkiye, the country at the junction between East and West, known for its history, art and culture. But most importantly, Turkey is also one of the few travel destinations Malaysians can go to that is not recording 6-figure daily Covid cases, doesn’t require quarantine upon…
BySuraya
The other day I was listing out all the financial tools that I personally use for money management in my notebook, and the list got kinda long. I did that list because (1) it’s good to know exactly what I have and what I use it for and (2) I don’t want to accidentally forgot…
![[TRANSCRIPT] Personal Finance Chit Chat with Hann and Suraya | Financial Literacy Month 2021](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2021/12/financial-literacy-month-2021.jpg?fit=768%2C384&ssl=1)
BySuraya
This is a transcript of the Personal Finance Chit Chat show, which aired live on 30 October 2021 during the Financial Education Network-organised Financial Literacy Month 2021 Finale. Hann of RinggitPlus and myself answered audience-submitted questions, taken both prior to the event and during the show. The questions we answered were: I am currently unemployed….
