In pursuing my tertiary education, I went for PTPTN, the same way as fellow Malaysians. All in my mind that time was FREE MONEY. If you’re about to go through the same process, IT’S NOT FREE MONEY. You have to pay for it…. or maybe not. And this is how.
I’ve no idea where my money goes. Even after following the prime financial advice of budgeting each month for few long months, I still ended up broke and going beyond my budget. Exhausted and defeated – in June 2019, I decided to go into the root of it all. I forgo budgeting to track my finances, both my income and expenses. I wanted to see what actually happen to my ringgit each month, so for the past 7 months, I’ve been living as usual with my regular income and spending without much restrictions on myself. Here’s the result.
If you’re looking for a Malaysian millennial who is struggling to get her financial life in order, working a 9 – 6 job, living paycheck to paycheck with minimum to none savings each month, doesn’t even have sufficient emergency fund in her bank accounts, reads a lot of financial advice but can’t seem to implement them in her life and deep down wants to improve her financial state – you come to the right place. Welcome. Let’s figuringgitout with me.