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25 ^th
June

15 Things I Stopped Buying and Didn’t Miss

Posted by Suraya - 22 Comments

This post was inspired by one of my favourite personal finance websites, The Financial Diet. Check out their version of the article here.

‘Don’t buy shit you don’t need’ – how many times have we all heard this six-word money advice? It sounds so simple, right?

The thing is, the definition of ‘shit you don’t need’ will differ greatly from person to person. What I think I don’t need and can cut from my budget is someone else’s necessity item, either required for their life/work or something they decided is worth the expense and thus budgeted in (instead of budgeted out).

Here are 15 things I have personally stopped buying and realised I didn’t miss.

#1 – A Car

Sometimes, the fact that I don’t own a car really surprises people around me. It’s considered a rights-to-passage-to-adulthood expense, something people buy as they start working.

09 ^th
May

Link Roundup #1: 10 Things to Know This Week

Posted by Suraya - 9 Comments

Accelerate your personal finance knowledge with this new regular feature on Ringgit Oh Ringgit – the Link Roundup! Every week (or every other week, see how), I’ll share 10 curated links. I promise you’ll find them informational 🙂

07 ^th
May

5 Downsides of Being Frugal

Posted by Suraya - 20 Comments

Living with frugality mindset is something I’ve consciously tried to do for many years now. For the most part it’s great, I’ve saved so much money. But let’s talk about the downsides, shall we? Roses still have thorns and all that.

This is not an article to deter you from frugalism – no, not at all. I have zero regrets adopting this lifestyle. I just want to share the bad that comes with the good.

#1 – Embarrassed by old stuff

14 ^th
June

25 Personal Finance Subreddits For You To Find ‘Your People’

Posted by Suraya - 4 Comments

Personal finance is so… so… BROAD, isn’t it? We come from all kinds of backgrounds and have all types of interests and go through all sorts of life circumstances. Looking for specific answers can be tough. Sometimes you don’t know what you don’t know – not even the search term for it. I have suggested Reddit as a resource page before, but the sheer amount of available information can be enough for some people to go, ‘nope’ and close off the tab.

That’s a shame, because one of the best ways to learn about personal finance is to learn from the Reddit community. The most useful information get the most upvotes – so you get to save time by reading only the best of the best as determined by those personal finance subreddit community members themselves.

Even though r/PersonalFinance has a lot of members and contributors, I wouldn’t really recommend it and some other subs to Malaysians as many topics are specific for the US crowd. The r/MalaysianPF community, on the other hand, would be great if it wasn’t, um, dead.

BUT. There are other personal finance subreddits that you can explore. They will help you save, spend, invest and manage your money better – for a variety of occasions. Here are 25 of them.