Financial Advice For My 25 Year Old Self

Assuming that my 23 year old self had followed a disciplined approach to balance my income and expenses, at 25 years old I should be well into building my emergency savings. Once I have accumulated an emergency savings worth 6 months of expenses, my savings should now go into riskier investments. There will be things… Continue reading Financial Advice For My 25 Year Old Self

Financial Advice For My 23 Year Old Self

My first job as a telecommunications engineer paid about MYR2,300 (~USD600) a month. That's pretty reasonable for an entry level job in Malaysia but boy sometimes it seemed that I could never make any headway with my savings. If only I knew then what I know now about managing personal finances. I didn't really keep… Continue reading Financial Advice For My 23 Year Old Self

How Do You Solve A Problem Like PTPTN?

Wow, what a furore it was when it first dawned on PTPTN borrowers that the new Pakatan government won't be writing off their PTPTN loans after all. Then adding oil to the fire, the PTPTN chairman has proposed a tiered automatic salary deduction schedule changing the approach for the popular student loan collection from voluntary… Continue reading How Do You Solve A Problem Like PTPTN?