So, you’ve graduated. Congratulations are in order! You’ve traded lecture halls for office cubicles and are finally earning your own keep. But for many Malaysians, that first payslip comes with a familiar, slightly daunting reminder: your PTPTN loan repayment is about to begin. It’s easy to see this monthly deduction as just another bill. But …
Month: September 2025
That first real salary after graduation or a major promotion is an incredible milestone. After years of studying and hard work, seeing that significant amount hit your Maybank or CIMB account is a powerful feeling. It’s tempting to immediately reward yourself—that new smartphone, a nicer apartment in KL, or finally upgrading your Perodua. But before …
We’ve all seen it, or maybe even done it ourselves. The brilliant engineer who can solve complex problems but has no retirement plan. The savvy marketing manager who understands consumer psychology but is drowning in credit card debt. The university professor who invests in a “guaranteed” get-rich-quick scheme they heard about from a friend. How …
Managing money is a challenge for many Malaysians. Despite living in a rapidly developing economy, a large portion of the population struggles with debt, low savings, and financial insecurity. But why does this happen, and what can be done to improve the situation? Let us explore the key reasons why Malaysians face financial difficulties and …
