Ask most Malaysians if they have a budget and they’ll say yes. Ask them if they actually stick to it, and the conversation gets quiet very quickly. Budgeting is one of those things almost everyone knows they should do, and almost everyone struggles to do consistently. Not because people lack discipline — but because most…
Read moreHere is a question worth sitting with: if someone asked you right now where you’ll be financially in 10 years, what would you say? Most people can’t answer that. Not because they lack ambition, but because they’ve never built a plan to get there. They earn, they spend, they save what’s left (if anything is),…
Read moreAh, the plastic card. To some, it’s a magical piece of plastic that unlocks 10% cashback on weekend dining, airport lounge access, and those sweet, sweet flash-deal sign-up gifts (hello, free Touch ‘n Go eWallet credits!). To others, it’s a dangerous trap that leads straight to sleepless nights, AKPK counselling, and a ruined credit score….
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