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Category: ABCs of Personal Finance
Career Related

Did you know these two badminton players earned RM1.49 million prize money in just 1 year?

Pearly and Thinaah of course. Their friendship, their abilities and yes, that language advantage where whoever they play against, they can speak a different language loudly and no one knows what they are saying. Versus you know lah… some language, we all understand perfectly and easily. 🙂 It was reported that as at the end of the BWF World Tour Finals, they have earned RM1.49 million in prize money.

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ABCs of Personal Finance

Actually, how much can we truly save with a fuel-saving car?!

I told him to stop joking because there’s no way he can save more money. He was a little offended. He challenged me to tell him my fuel consumption. Well, as at today, it’s 7.3 litre per 100km. That’s about 1 litre of RON95 petrol to 13.7km. His awesome car could give him nearly 20km to 1 litre. I did not bother to ask if that’s solely on highway because if it’s just highway, my Persona could also do way better than 1 to 13.7km. Anyway, he laughed at me and I laughed at him and I guess we agree to disagree.

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ABCs of Personal Finance

B40, M40 and T20? What is the salary to be within T5 in Malaysia?

Without adding the changes in 2025 and relying on just 2024, median income for a household of a T5 category starts from RM20,738 per month (image below) . In other words, this household has a yearly income of RM248,856. If this household is contributing to EPF and has an employer also contributing to the EPF for employer portion, then this household’s EPF will have accumulated the following per year.

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ABCs of Personal Finance

Are you wealthy enough to join the top 1 percent in Malaysia? How much do you need, really?

In some countries, to join the top 1 percent group, it could be millions and the millions could be in US$. In Malaysia, we just need RM2.1 million (USD485,000). Haha. Ok, that’s still millions but compare this to US$6.6 million for Switzerland or US$3.5 million for Singapore and suddenly this US$485,000 looks attainable. Well, in Singapore, even owning a fully paid HDB flat with a decent size in a popular neighborhood would already make the owner a millionaire in S$ too. Take a look at some of these transactions. Just note that not all areas are created equal yeah. When it comes to property, the more people want that area, the higher the price goes up.

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ABCs of Personal Finance

Single-parent households face a higher possibility of living in poverty

It’s not easy to be a single parent, whether the single parent is a male or female. The reason is a simple one, unavoidable costs such as housing, electricity, car and even food meant that one person has to pay for them all. Thus, once the single person deducts the single income for the few unavoidable costs, especially for property rental or even mortgage, the remaining amount may not be enough for the household to live above the poverty line.

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ABCs of Personal Finance

Money Not Enough? 5 Critical Personal Finance To-Dos

Read more, know more, learn more so that one is able to adapt to technological advancements and not fall behind. This ensures our earnings remain strong and we would be replaced suddenly. Invest into education, skills necessary and always seek to diversify the income wherever possible. Higher pay does not guarantee anything but higher pay allows us to save more.

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Career Related

Unemployment rising for 18-24 year olds in the UK

The unemployment rate for 18-24 year olds in the UK has risen to 5.1%, significantly affecting young workers. This trend is mirrored in Singapore and Malaysia, where youth unemployment and underemployment persist amid a challenging labor market. The discussion emphasizes the increasing difficulties faced by those without qualifications in the job market.

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ABCs of Personal Finance

Property Refinancing in Malaysia (2025–2026 Update)

The article discusses property refinancing in Malaysia, highlighting recent regulatory changes by Bank Negara Malaysia. Key points include stricter cash-out refinancing rules, enhanced affordability checks, and greater transparency in loan costs. The article emphasizes that refinancing should be strategically planned to improve financial positions rather than simply providing immediate relief.

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