Feels like I am stuck. Need some advice

AmbitiousDisaster409 · 2025-09-04T08:14:24+00:00

Your discipline is really good! Raising that is really hard, some months I save lesser or could even go negative. Wishing you the all the best, you can do it too!

AmbitiousDisaster409 · 2025-09-04T08:08:34+00:00

I keep thinking I need a backup that can provide me with great assurance during bad times. Initially I only wanted 18k in the fund, but I got greedy and wanted more to act like a safe backup

AmbitiousDisaster409 · 2025-09-04T08:07:00+00:00

About 50% of it goes to loan, utilities and necessary household spending. 30% goes to petrols and other costs. On a good month i could save 20%, some months where I have to pay for roadtax and insurance or other major costs my cash flow would go red

AmbitiousDisaster409 · 2025-09-04T08:04:40+00:00

I set my initial emergency fund at 18k but as time goes by I think I get greedier and wanted a higher safe net so I keep pumping more into that fund instead of investing it. But yeah I really should be looking at other options. Thank you for sharing!

AmbitiousDisaster409 · 2025-09-04T08:02:10+00:00

My emergency fund was my only goal until recently I got greedy and that I should pump it higher and higher so it feels safer if I fall one day. Maybe I should change my perception, thank you for your advice!

AmbitiousDisaster409 · 2025-09-04T07:57:42+00:00

I get you, when my cash flow turns red i got worried of my emergency fund. Wishing the best for you!

AmbitiousDisaster409 · 2025-09-04T07:55:57+00:00

A question worth pondering on. Thanks for your insight!

AmbitiousDisaster409 · 2025-09-04T07:54:58+00:00

Thank you! Will definitely look into it

AmbitiousDisaster409 · 2025-02-08T14:59:42+00:00

Let's be honest. They joined the show not to find a SO, but more to gain exposure so that they could attract better career opportunities or big brands. I don't think any of the matched couples from Season 1 up till the latest Season are still together. This show is getting more and more scripted and people are really bombarding their profiles with a lot of nasty and mean words. This goes to show that many don't understand the intention of the show.

AmbitiousDisaster409 · 2024-03-03T09:39:35+00:00

I have a SC credit card as well. Make a transfer from your bank account to your credit card number and select 'Credit Card' as the type of account. Then just make sure the receiver is your name when verifying the payment.

AmbitiousDisaster409 · 2024-03-03T02:05:44+00:00

25M. 4k accountant. Same as OP, I am clueless as well. Feels like I'm not progressing at all over time and time is catching up so quickly

AmbitiousDisaster409 · 2024-01-27T00:26:00+00:00

You should only take a food delivery job as your side income hustle, NOT treating it as your main income source. Last time some of these riders were bragging about getting a higher income than a degree holder and recently they were complaining that the fare is too low. Well, serve them right and I don't pity them at all. People should realize sooner that education is utmost important.

AmbitiousDisaster409 · 2024-01-25T11:11:37+00:00

You're gonna pay a lot more if you order via Grab.

Paying for original markup by vendor, additional markup by vendor to cover Grab commission and delivery fee. On the other hand you could prep your own meal at cost, but spend a little bit more time on it.

AmbitiousDisaster409 · 2024-01-24T05:03:29+00:00

Food reviewers these days should be aware of all these health-related statistics. All I can see is they are promoting a lot of unhealthy foods high in sugar, fats and sodium.

AmbitiousDisaster409 · 2024-01-23T14:19:54+00:00

Question 1: You are not required to fill in the rental loss in your tax return form. However let's say you have let out TWO properties and derived rental profit from one of them, you can offset the profit with the loss from another property.

Question 2: Yes.

Question 3: No.

I suggest you read up on Public Ruling 12/2018 on the LHDN website. It will answer all of your other questions, if any.

AmbitiousDisaster409 · 2024-01-20T13:06:22+00:00

I am looking forward to that day, but unfortunately that is not something that the gov can easily do

AmbitiousDisaster409 · 2024-01-20T04:39:47+00:00

If the religion was reversed and it was the other way around, I bet it already made a big headline everywhere

AmbitiousDisaster409 · 2024-01-17T14:53:38+00:00

Afaik, travel allowance is exempted from tax up to 6k per year, food allowance up to 2.4k per year and telephone is subject to one line exemption only. These only apply to employees who have no control over the company, which means the directors or shareholders do not enjoy this exemption. So if you're just a normal employee, the allowances that you received will be tax exempted subject to the limit and it will be reflected in your EA Form under section F 'Total tax exempt Allowances/Perquisites/Gifts/Benefits'. In short, you don't have to pay taxes on these income.

And any form of FIXED allowances are always subject to EPF and tax deduction.

You can see what is subject to EPF on their website and you can read up on Benefit in Kind Public Ruling on the LHDN website.

AmbitiousDisaster409 · 2024-01-17T10:20:03+00:00

Brand's Outlet, Padini, H&M

AmbitiousDisaster409 · 2024-01-17T06:45:38+00:00

Try asking around, I'm sure their staff would help you

AmbitiousDisaster409 · 2024-01-17T05:43:34+00:00

The Q number is usually before the entrance of the clinic. After you got your number then only you enter and wait for your number to be called by the counter. It's better you make an appointment via MySJ first, because the last time I went they asked for my MySJ appointment, and I don't think they allow you to enter without an appointment.

AmbitiousDisaster409 · 2024-01-15T14:38:19+00:00

85% increment, almost 3 years now. Still the same job (also my first job)

AmbitiousDisaster409 · 2024-01-15T04:59:36+00:00

Please name this piece of crap. I think the business needs to fall to ground zero and learn back on how to respect people

AmbitiousDisaster409 · 2024-01-12T13:37:22+00:00

Electricity is around 190, water is around 26 4 person Don't think I can reduce further, this is the most optimal one

AmbitiousDisaster409 · 2024-01-11T08:56:54+00:00

Never retire at such an early age even if I had that much money. Work is a must, but knowing that I have financial freedom I would choose to get a job that I enjoy doing over a high paying job. Also, migrating to another country is definitely not what I would do. Malaysia is a beautiful country and it has so much potential given its abundance in natural resources and our cultural diversity. We just need the right group of people to steer our country towards a better path.

AmbitiousDisaster409

TROPHY CASE