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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.

23 ^rd
January

How to Get Clients: A Guide for Malaysian Freelancers

Posted by Suraya - 9 Comments

After being self-employed for a couple of years, I know a thing or two about getting clients. Happy to share what I know with you!

21 ^st
November

11 things I learned about self-employment in Malaysia

Posted by Suraya - 42 Comments

I’ve been self-employed for about a year now!

For those who don’t know the story, it’s basically this: moved to Ipoh late-2015, tried to open a business. Failed. Tried to look for jobs. Failed to find high-paying jobs. Started freelance writing. Now I am a self-employed writer.

Prior to this, I had always had 9am-6pm jobs. Like many people, I liked the stability of a full-time job. But I’ve also been envious of entrepreneurs and other people who ‘work for themselves’. Not having a boss seems like a nice concept, even though I liked all of my bosses.

Whether you’re currently self-employed, or considering to take the self-employment route in Malaysia, I think you’ll find this post insightful. Here are 11 things about self-employment in Malaysia that I found out in the past year.

19 ^th
February

Telemarketer sales tactics you should know (by an ex-telemarketer)

Posted by Suraya - No Comments

When I was 17-18, I worked as a telemarketer for about 3 months. For an outsourcing company, on behalf of a major insurance provider. I can’t remember the name of the insurance company, or even the product name now. That’s weird, because day-in, day-out, I repeated the same script in hundreds of cold calls.

I earned at least RM3000 per month in those 3 months. This was the point in my life when I knew I could do sales.

Here are some telemarketer sales tactics, and advice for you to resist those sales.