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The Secret to Sticking to A Budget
Saving Money

The Secret to Sticking to A Budget

The secret to sticking to a budget is… to enjoy the experimentation process as you figure out which cost-saving…

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All The Annual Expenses I Have to Make Every Year
Money Management

All The Annual Expenses I Have to Make Every Year

You’re familiar with monthly expenses. The biggest chunks are usually Accommodation+Transportation+Food. Plus Loan Repayments for some people. How about annual…

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Guide: What To Do When You’re Tight With Money
Earning Money

Guide: What To Do When You’re Tight With Money

While I have never been truly broke, I’ve had moments when money was tight. It became necessary to save…

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Money Management

Money Emergencies and How They Eff Up My Budget

I track my spending. All of it. In an app. Each purchase gets categorised – for example, rent money…

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35 Things That Happen When You’re Good With Money
Commentary

35 Things That Happen When You’re Good With Money

I notice that these things happen to people who are good with money. Not saying I’m that great (OK…

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How Much Was My Raya Spending in 2017? Exactly RM2,095
Personal

How Much Was My Raya Spending in 2017? Exactly RM2,095

  Selamat Hari Raya! Please forgive my many, many mistakes so far ye tengkiu lapchu. I’ve written a couple…

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The Comprehensive Guide to Save Money on Groceries in Malaysia
Saving Money

The Comprehensive Guide to Save Money on Groceries in Malaysia

Some people love grocery shopping. Some people don’t. I happen to belong to the first camp. I LOVE grocery…

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Suraya's Monthly Budget Update

Budget Update: September 2016

September Budget Update Summary I earned RM8743.22. Less than my target of RM10k, but it’s been a good month. Minus…

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Hack: How to Maximise Cashback Credit Cards
Saving Money

Hack: How to Maximise Cashback Credit Cards

  Sponsored Post (long post with lots of examples) This is my first sponsored post! I’ll be promoting cards…

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Suraya's Monthly Budget Update

Budget Update: March 2016

March Budget Update Summary

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Budget Update: January 2016
Suraya's Monthly Budget Update

Budget Update: January 2016

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Masterpost: How to save money in Malaysia
Saving Money

Masterpost: How to save money in Malaysia

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Welcome to RoR!

Hi, I'm Suraya, the blogger behind RinggitOhRinggit.com and a Writer, Speaker & Digital Marketer for hire. I am OBSESSED with optimising my personal finance without sacrificing quality of life.

Join me in learning how to (1) earn, save and invest aggressively, (2) live minimally and frugally, and (3) spend money on experiences instead of things.

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  • Resources
    • Recommended personal finance websites in Malaysia
    • Link Roundup
    • Travel
  • Shop
    • Money Stories From Malaysians books
    • Financial Behaviour Test
  • Hire me!
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