• Personal Finance

    My 2018 Expenses and Income

      Some days ago I read a blog post from Suraya of Ringgit Oh Ringgit in which she reveals her annual income and expenses for the last year. I thought, “Hey, I’ll do that too!” Naive, little ol’ me thought that this was going to be an easy breezy fun post to write. I was sorely mistaken. I spent the whole weekend confronting the numbers that my year essentially boiled down to. The more I looked at them, the more anxious and afraid I became about sharing it with the world. It’s one thing to hold those numbers close to yourself but it’s a completely different thing to let other…

  • Saving Strategy,  Spending Strategy,  Travel

    I Traveled Six Weeks in Europe for RM14,000

    I’m having a hard time structuring this post. For one, my trip was long. I spent 45 days traveling through Europe. It’s hard to condense that into 1,500 words or less. Secondly, I am not sure how this post can help anyone budget their very own Europe trip. I’m not going to sit here and pretend that most people can afford an extended holiday, much less one that costs about five figures. Other people have done better than me at budgeting a backpacking trip to Europe. And at some really unbelievably low numbers. But I can honestly say my European trip was one of the most life-changing experiences that I’ve had. For…

  • Month in Review

    Month in Review: October 2018

    Money It’s been a pretty chill month. It’s a bit unsettling that I’m starting to get used to seeing my monthly expenses hit the RM5k range. These days, the bulk of my monthly money drain goes to paying rent.  But I’ve reduced a lot of unnecessary expenses last month. Overall, I spent about RM5,211.58. My total spending last month is down by 15% compared to September. In September, I spent a lot to furnish my home. Nine months after moving into a new place, I finally bought a sofa and a fridge. Don’t judge me. In October, there wasn’t much spending for home upkeep, thank god. There’s a slight increase…

  • Long Read,  Personal Finance,  Personal Growth

    5 Financial Personality Types That Affect Your Money Habits

    I would hazard a guess that most of us never thought about how our personalities could affect how we spend, save, and invest. But improving our personal finance game requires self-reflection. What fears cause us to spend too much money? How are we motivated to save money? To understand what compels us to spend or save, we need to look inwards. So, let’s look at 5 financial personality types and how they affect our money habits. 1) The Spender We all have that one friend. You know the one. He’s got the nice car, goes on luxurious holidays, and always first in line to buy the new iPhone. That person…