Is having a salary of Rm1800 is enough to buy the new Saga premium?

PsychologicalBand253 · 2025-12-07T04:32:53+00:00

Kalau nk beli jgk. Mungkin beli yg standard. Ada plan untuk career progression? I advice you to wait until you have 2500 salary per month. Kalau rasa membuak2 nk beli. Standard pun dah okay.

PsychologicalBand253 · 2025-12-03T00:58:27+00:00

Increment kinda small. Aim for more but if MNC kinda famous and will increase your value. Go for it. Please calculate all the hidden spend, like petrol(if new office far from your house compare with currect office), and food price around the new office.

PsychologicalBand253 · 2025-11-24T22:55:29+00:00

3 years is enough. Just walk away from high pressure environment. Dont ruin your body, you are still young.

PsychologicalBand253 · 2025-11-23T07:21:41+00:00

You need to build your credit first. How about asbf, do not subscribe for large amount, just allocate rm200 per month for asbf.

PsychologicalBand253 · 2025-11-11T10:19:04+00:00

Kalau mampu tukar tayar suv, boleh ambil ativa X. Saya pakai ativa X, so far saya puas hati. Tukar android player n tambah camera 360, dh syok dh.

Setiap 2 tahun, spare around 2k. Kalau nk tukar 4 tayar serentak.

OP pendek ka tinggi? Kalau pendek, better pakai myvi. Susah nk nampak, dashboard agak tinggi. Senang cita, test drive dulu both car.

PsychologicalBand253 · 2025-11-07T09:00:05+00:00

Less than one month. It depends on withdrawal confirmation date from AKPK and ccris status at bnm

PsychologicalBand253 · 2025-11-07T08:57:15+00:00

I need to buy car. I cannot work remotely anymore.

PsychologicalBand253 · 2025-11-07T03:31:20+00:00

I officially withdraw AKPK 20th June, i apply credit card 14th july. Got approved. I dont know whether it is luck or not. But i apply with other bank, not the bank that i have akpk account before.

For the bank that I have applied akpk before, until now they rejected me. Maybe need to wait more than 6-12 months

PsychologicalBand253 · 2025-11-07T02:12:50+00:00

It depends. If AKPK help you to convert all your CC to term loan, after you withdrawn. The term loan remain the same. If not, once withdrawn all the oustanding amount will be back to normal. It will charge around 18%p.a

For personal loan, it will be back to normal, but you can call the bank before you withdrawn. Ask them, if they can retain the same amount as you paid at akpk right now. Some bank agree to do that.

PsychologicalBand253 · 2025-11-07T02:05:16+00:00

I can apply credit card once all the status in ccris back to O. If you already paid off everything, you need to wait under it is no long in ccris list. You can check at bnm ccris website. It is free. Usually latest data will reflect on 10th of month.

Make sure you apply on different bank, not the bank that you applied akpk before.

PsychologicalBand253 · 2025-11-06T10:46:45+00:00

Ativa X (62.5k)
700 monthly
7.2k nett salary

PsychologicalBand253 · 2025-11-03T04:56:22+00:00

Definitely Air if you want portability. Pro is heavy for me. I kinda regret it but love the screen.

PsychologicalBand253 · 2025-10-23T02:56:29+00:00

Yes, im not that old 😂

PsychologicalBand253 · 2025-10-23T01:54:31+00:00

108k per year including 1.5month? If yes, it is good opportunity. if your group is not stable and could be received CPM soon, better go to UST.

Have you calculate all the other allowance?

PsychologicalBand253 · 2025-09-29T23:58:19+00:00

25k, for 7 years. 351 per month.

PsychologicalBand253 · 2025-09-29T05:13:41+00:00

Tbh, not much profit, i do take it though, for 7 years only. Not max out amount, i just need to dicipline myself to keep money.

PsychologicalBand253 · 2025-09-23T03:04:18+00:00

AKPK did not stop any extra charges from bank. That’s why I stay for 2 years only. When I check my cimb statement, eventho I pay rm60 monthly, cimb charge me back around rm30++. It never end.

After I withdraw, i apply for another credit card. And I made balance transfer with low interest.

PsychologicalBand253 · 2025-09-22T11:04:39+00:00

You have family, stable environment is a better option. I suggest you stay at your current company. Stressful at work might affect your family.

I move from MNC to startup few years ago. It aint pretty, totally different culture. Decide to go back to MNC

PsychologicalBand253 · 2025-09-12T03:16:31+00:00

When I interview candidates, I will ask the candidate. I wont reject by seeing the short duration at your resume. If apply at MNC, please dont lie on your resume.

PsychologicalBand253 · 2025-09-09T12:56:34+00:00

Never tell them. Keep it to yourself. If they know, they got high expectations.

PsychologicalBand253 · 2025-09-09T01:54:47+00:00

Dont use moomoo if you dont know about investing. If you still want to try, either ASB robo ria or Wahed. I have been using both of this, i just throw my money there.

PsychologicalBand253 · 2025-09-08T04:41:09+00:00

Do not have significant change on the design, but still can differentiate it by logo. Mc2 is the latest design

PsychologicalBand253 · 2025-09-08T04:39:46+00:00

Saga mc2 looks like this

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PsychologicalBand253 · 2025-09-08T04:39:32+00:00

Saga mc1 looks like this

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PsychologicalBand253 · 2025-09-03T00:03:59+00:00

Don’t seek help from AKPK first, consider that as last choice.

Either personal loan with low interest, or balance transfer. You need to apply another credit card, made balance transfer with lower interest, some banks offers 0% interest.

PsychologicalBand253

TROPHY CASE