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25 ^th
March

Link Roundup #23: 10 Things to Know This Week

Posted by Suraya - 2 Comments

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise you’ll find these 10 links informational 🙂

1. 4 things millionaires have in common, backed by research – The Ladders

What millionaires have in common:

Many are self-employed
They choose their careers strategically
They’re not geniuses but they have a strong work ethic
They’re cheap (read: frugal)

I highly encourage you to read the article because this is not some opinion piece, telling you some inspirational bullshit. The article is backed by research and every other sentence will make you rethink your whole life, like this one: ‘you’d need to earn 2.5 times as much money to be as happy as someone who is self-employed.‘

24 ^th
October

21 Malaysia-Based Personal Finance Instagrammers You Should Follow

Posted by Suraya - 6 Comments

Nowadays, I notice there are more personal finance websites and blogs around. My grand scheme to get more Malaysian talk openly about money is working muahahahah!

(okay I cannot take all the credit but some la okay some)

(I’m not perasan they told me one)

You know where else money discussions are spilling over, aside from websites and blogs? Instagram. Yes, Instagram, the platform you log on to get jealous over other people’s perfect-looking lives (I’m not wrong).

So you can imagine how pleasantly surprised I was by the emergence this new trend, of Malaysians sharing about personal finance in their Instagram accounts (instead of the usual food, fashion, beauty, travel, etc). I love following them, and find them therapeutic – as I scroll down my feed, my bouts of envy is naturalised by money quotes and reminders to not spend money!

Here are 14 21 personal finance Instagram accounts that Malaysians should follow. This list is in no particular order.

EDIT: If you are a personal finance Instagrammer, and you’re not listed in this article, please drop a comment with a link to your profile 🙂

27 ^th
August

Link Roundup #9: 10 Things to Know This Week

Posted by Suraya - 2 Comments

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise you’ll find these 10 links informational 🙂

1. We Put Klang Valley’s Ride-Share Apps In A Head-To-Head Price Test – Vulcan Post

Surprising fact no 1: There are (at least) five active ride-sharing apps operating in the Malaysian market. Five!

They are: Grab, MyCar, MULA, EZCab and Dacsee. LOVE this article comparing the prices plus waiting times for each of them. I’m already a Grab and MyCar user – I think I’ll install EZCar too because the price looks pretty good.

16 ^th
July

Link Roundup #6: 10 Things to Know This Week

Posted by Suraya - 2 Comments

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise you’ll find these 10 links informational

1. Here’s How Much Money You Save by Cooking at Home – Forbes

The data is from US, but it’s still a fascinating read. They compared between restaurant, meal kit delivery (not common in Malaysia I think) and cost of ingredients and found that you can save up to five times more by cooking all your meals at home! Another point of interest: ordering protein-based meals from restaurants are more worth it if compared to carb-based meals.

Granted, the US does not have our mamak slash cheap food culture. You can get food relatively cheap here. Personally I’m a big fan of rice + dhal, and that’s fairly nutritious and maybe cost a few ringgits at the most.

Whether we’re willing to give up our food obsession is another story, though. Trying out different cuisines is practically a national hobby.

26 ^th
December

1 question you need to ask after receiving financial advice

Posted by Suraya - No Comments

Hands up if you have ever typed anything along these lines in Google Search:

‘How to cope with cost of living’
‘How to make a budget’
‘How to reduce spending’
‘Ways to increase income’
‘What is the best credit card’
‘Where can I get a loan’
Or some other variation of these

May I just say that the first page of Google results were designed to be there in the first place – someone lovingly crafted an SEO-optimised article, especially for the incoming Malaysian traffic. Oh, Malaysians, especially our generation, will be flocking these articles, desperate for help to counter the rising cost of living.

The articles are likely short and filled with bite-sized information. The advice given are, for better or for worse, generic, and usually ends in ‘yes you too can save money/make extra income with these methods, try it now!’. Then perhaps they will plug in a product or a service.

How do you know if you are receiving good advice or not?