22 Birthday Freebies & Discounts So You Can Celebrate Without Having To Spend Too Much

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<h2>When it comes to savings, the general consensus is that you should set money aside and do your best to never touch it</h2>
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<p>In fact, there is a plethora of articles, self-help books, and videos out there that teach you how to build up your savings and avoid dipping into it. Some common tips you&#8217;ll come across include:</p>
<p>&#8211; Setting up a separate bank account for your savings<br />&#8211; Setting up an emergency fund for unexpected expenses<br />&#8211; Setting up a sinking fund for expected expenses (such as gifts, car maintenance, etc)<br />&#8211; Spending only after you save<br />&#8211; Adjusting your budget and cutting expenses<br />&#8211; Picking up side hustles to earn more money</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.vecteezy.com/photo/24594777-saving-money-investment-for-future-female-woman-hands-holding-pink-piggy-bank-and-putting-money-coin-saving-investment-budget-business-wealth-retirement-financial-money-banking-concept" rel="noopener">Iuliia Zavalishina/Vecteezy</a></small>
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<h2>The concept of &#8216;not touching your savings&#8217; was precisely what I adhered to and earnestly tried to follow during the first few years of my career.</p>
<p>And it worked&#8230; Until it didn&#8217;t.</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.mecuanywhere.com/brokenpiggybank/" rel="noopener">Members Exchange Credit Union</a></small>
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<p>Here&#8217;s the thing: During the first few years I started working, despite earning less, I still managed to save RM100 to RM200 each month, and even up to RM500 in a good month.</p>
<p>I even began employing the &#8216;save before you spend&#8217; method, setting up auto-billing to save a portion of my salary whenever it came in.</p>
<p>The funny thing is that as I progressed in my career, and my salary increased, so did my living expenses. It&#8217;s not like I was splurging on branded items or RM100 meals all the time, but having friends (and a partner) just meant that there were more things to spend on, and I was fine with that.</p>
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<h2>As I grew older, I also began to realise there was a lot more adulting that needed to be done — and most of these things cost money</h2>
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<p>Whether it was taking a flight back to Penang to see family every other month (RM200), attending friends&#8217; weddings (RM150 per wedding), or paying for car insurance and road tax (RM1,000), there were some months when there just wasn&#8217;t enough money to save, no matter how hard I budgeted.</p>
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<p>By then, I had already accumulated a comfortable safety net, or emergency fund, or whatever you want to call it. But I just felt like it was money I should never have to touch.</p>
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<h2>The kicker came when I went through three major life changes back to back: Getting married, buying a house, and having a kid</h2>
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<p>At each phase, I would still try my very best to budget and track my monthly expenditure meticulously. The only problem was that whenever there was an unforeseen expense, or a meal I had while eating out with friends, I&#8217;d feel super agitated because I felt I was &#8220;overspending&#8221;.</p>
<p>Naturally, I ended up having to dip into my savings and would often feel unhappy.</p>
<p>But then, a very wise person (a.k.a. the wife) one day asked me, <b>&#8220;What&#8217;s the point of you having savings anyway? Isn&#8217;t it so that you have money saved up for unforeseen occasions like this?&#8221;</p>
<p></b>That&#8217;s when my perspective towards savings started to shift, and I became a little more okay to dip into my savings. (But before you overreact, I have an explanation below)<b><br /></b></p>
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<h2>First of all, I&#8217;m not saying you should be dipping into your savings for whatever you want or splurging all the time just because you can</h2>
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<p>Behaving like this is dumb, and you&#8217;ll end up not having anything saved up for when you really need it.</p>
<p>But what I am saying is that it&#8217;s okay to dip into your savings for specific occasions or seasons of your life. And however much you want to dip into is entirely based on what&#8217;s important to you.</p>
<p>For instance, nowadays, I wouldn&#8217;t mind forking out RM500 on a big family dinner to celebrate a parent&#8217;s birthday or a family member&#8217;s milestone because, family is important to me. Or, if my wife and I need to dip into our savings every month to pay for our kid&#8217;s daycare — we&#8217;d do it because it gives us the time and space for our careers, which is something we both value.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.pexels.com/photo/person-paying-at-a-counter-using-debit-card-6605257/" rel="noopener">Kampus Production/Pexels</a></small>
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<h2>One thing that has helped me come to terms with &#8216;touching my savings&#8217; is being intentional about what I&#8217;m using the money for</h2>
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<p>Back to the example of daycare, what I did was to take out a sum from my savings and say, &#8220;This is the amount I&#8217;m allocating for the year<b> towards this specific purpose</b>&#8220;, and I was okay with it.</p>
<p>Another thing that shifted my perspective was <b>understanding that everything is for a season</b>. I know that I won&#8217;t be earning the same salary forever, and I know that I won&#8217;t be paying for daycare forever either. Recognising that there are seasons that are more financially demanding than others has taught me to be kinder to myself.</p>
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<h2>Of course, the end goal is to be able to save more every month and afford to spend on things I want without feeling guilty</h2>
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<p>But along the way, I&#8217;ve come to realise that it&#8217;s okay if I have to use some of my savings once in a while or for a season.</p>
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<h2>Learn how to grow your money on SAYS!</h2>
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<h2>For more #money stories:</h2>
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<p>There&#8217;s actually a lot you can do with RM1,000 in Malaysia.</p>
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"Never Touch Your Savings" — Here's Why I Disagree With This Financial Advice

“Never Touch Your Savings” — Here’s Why I Disagree With This Financial Advice

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<h2>A Malaysian man recently took to social media to share his latest achievement of buying a house for his beloved parents</h2>
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<p>In a post shared on the Chinese social media platform <a target="_blank" rel="nofollow noopener" href="https://www.xiaohongshu.com/explore/65b470be000000002c012f80">XiaoHongShu</a>, the man named JS Lim revealed that he purchased a RM1.5 million semi-detached home in Johor Bahru at the age of 26.</p>
<p>Lim, who works in the funeral industry, expressed pride in this accomplishment, considering it the best gift he has ever given his parents.</p>
<p>&#8220;In fact, this is the second house I&#8217;ve purchased. The﻿ first one was for investment,&#8221; he wrote in the caption of his post.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.xiaohongshu.com/explore/65b470be000000002c012f80" rel="noopener">JS LIM-OFFICIAL/XiaoHongShu</a></small>
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<h2>Coming from a modest background, Lim emphasised the hard work he put in to achieve this milestone</h2>
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<p>He said that he began working at the age of 13 and often took on jobs during school holidays to financially support his family.</p>
<p>Lim added that his father&#8217;s work-related injuries served as motivation for him to strive for a better future.</p>
<p>&#8220;My father sustained hip injuries at work and has since been unable to work for long periods of time.</p>
<p>&#8220;Since then, I&#8217;ve realised how important it is to be financially stable on your own,&#8221; he wrote.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.xiaohongshu.com/explore/65b470be000000002c012f80" rel="noopener">JS LIM-OFFICIAL/XiaoHongShu</a></small>
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<h2>After dedicating over nine years to the funeral industry, Lim successfully improved his parents&#8217; living conditions</h2>
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<p>He also took the opportunity to share motivational advice with those aspiring to succeed in their careers.</p>
<p>&#8220;Don&#8217;t be afraid to chase your dreams. No matter how far you are, as long as you keep your feet on the ground, one day, you will be able to usher in the moment where your dreams come true!&#8221; he wrote.</p>
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<h2>In February last year, a 19-year-old Malaysian YouTuber bought a RM1.6 million house for his family:</h2>
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<p>The 19-year-old music content creator is known for using various spaces in his current house to shoot music videos for his YouTube videos.</p>
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<p>Durairaj Santiran said he hit his head on the floor and suffered injuries to his spine.</p>
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"The Best Gift" — 26-Year-Old M'sian Buys RM1.5 Million Semi-D House In JB For His Parents

“The Best Gift” — 26-Year-Old M’sian Buys RM1.5 Million Semi-D House In JB For His Parents

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<h2>Do you know how much you actually spend on food every month?</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.malaymail.com/news/eat-drink/2022/09/19/chap-fan-hero-pj-section-17s-restoran-kim-seng/28896" rel="noopener">Lee Khang Yi/Malay Mail</a></small>
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<p>Chances are, you don&#8217;t really keep track. And chances are, you probably spend more on food than you think you do! :O</p>
<p>The Statistics Department&#8217;s Income, Expenditure, Poverty and Inequality 2022 report showed that Malaysian households spent an average of RM732 per month at restaurants and cafés, as well as RM58 at canteens and cafeterias, as reported by <a target="_blank" rel="nofollow noopener" href="https://www.thestar.com.my/news/nation/2023/10/03/interactive-heres-how-we-spent-our-money-last-year">The Star</a>.</p>
<p>In fact, the number for household spending shoots up in states like Penang (RM1,090), Selangor (RM1,313), and Kuala Lumpur (RM1,381).</p>
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<h2>But don&#8217;t worry! Come tell us your <em>chap fan</em> order, and we&#8217;ll help you <em>agak</em> (estimate) how much you actually spend on food every month.</h2>
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<p><p><b>Quiz not loading? Just hit &#8216;Refresh&#8217; and try again!</b></p>
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<p><i>Note: This quiz is for entertainment purposes only. Dun so serious, okay? 🙂</i></p>
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<h2>So, do you feel like you&#8217;re overspending on food? :O</p>
<p>Check out how to start making a monthly budget:</h2>
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<p>Budgets are guidelines of how to spend our hard-earned money. Done right, it&#8217;s the most powerful system I know for bringing people to financial security.</p>
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<h2>Learn how to grow your money on SAYS!</h2>
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<h2>For more #money stories:</h2>
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<p>No more traffic, tolls, and expensive commutes!</p>
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<p>Convert your &#8220;trash&#8221; into cash.</p>
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<p>There&#8217;s actually a lot you can do with RM1,000 in Malaysia.</p>
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[QUIZ] Lai, Choose Your 'Chap Fan' Dishes & We Guess How Much You Spend On Food Each Month

[QUIZ] Lai, Choose Your ‘Chap Fan’ Dishes & We Guess How Much You Spend On Food Each Month

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<p><p><i>Follow us on <a target="_blank" rel="nofollow noopener" href="https://instagram.com/saysdotcom">Instagram</a>, <a target="_blank" rel="nofollow noopener" href="https://tiktok.com/@saysdotcom">TikTok</a>, and <a target="_blank" rel="nofollow noopener" href="https://whatsapp.com/channel/0029VZzynzi6RGJG0QbRfy3O">WhatsApp</a>&nbsp;for the latest stories and breaking news.</i></p>
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<p><p><i>This Spotlight is sponsored by Nespresso.</i></p>
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<h2>Do you know how much you actually spend on coffee?</h2>
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<p>Depending on where you get your coffee from, a long black or basic latte in the Klang Valley usually costs a minimum RM10. That&#8217;s not even counting speciality drinks.</p>
<p>To put things into perspective, if you drink coffee every day, you&#8217;d be spending <b>a whopping RM300 a month on coffee</b> (30 days x RM10), or RM3,650 a year (365 days x RM10)!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://unsplash.com/photos/person-making-latte-art-nzyzAUsbV0M" rel="noopener">Fahmi Fakhrudin/Unsplash</a></small>
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<h2>But don&#8217;t worry, &#8217;cause there is a more affordable way to get your daily dose of coffee — Nespresso has got you covered with its machine subscription plan</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.nespresso.com/my/en/machine-subscription#/" rel="noopener">Nespresso</a></small>
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<p>In case you didn&#8217;t know, Nespresso offers a convenient coffee experience with its easy-to-use coffee capsules and coffee machines.</p>
<p>Nespresso does not skimp on quality either, sourcing premium coffee beans from various regions worldwide. These beans then undergo meticulous processing and roasting for optimal flavour extraction. This results in a consistent cup of coffee every single time with a rich flavour, aromatic profile, and smooth texture.</p>
<p>Furthermore, Nespresso has a team of experts who rigorously test and blend different coffee varieties to create unique and balanced flavour profiles. Whether you enjoy a light, fruity brew, or a dark, intense roast, Nespresso has a nice variety of coffee capsules to choose from — there are even limited edition seasonal capsules too.</p>
<p>If you&#8217;re thinking, &#8220;A coffee machine and coffee subscription sounds expensive,&#8221; we&#8217;ve got good news!﻿</p>
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<h2>Nespresso&#8217;s machine subscription plan starts from RM80 per month, with an upfront charge of just RM50 for your machine</h2>
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<p>You&#8217;ll be paying as low as RM80 a month for 12 months, but here&#8217;s the cool thing — the full RM80 you pay is converted into Nespresso credits that you can use to buy coffee capsules or accessories.</p>
<p><b>Essentially, you are paying RM50 to own a brand-new Nespresso coffee machine</b><b>&nbsp;</b>(it costs RM699 to RM1,899 on its own), which also comes with a two-year warranty.</p>
<p>P.S. Your Nespresso machine even comes with a sampling kit, so you&#8217;ll actually get to try a variety of popular Nespresso coffee capsules for free!</p>
<p>What&#8217;s more, after 12 months of subscription, the Nespresso machine is still fully yours, and you&#8217;ll be transitioned to the Coffee Subscription Plan, where Nespresso will top up 10% of credit for you every month — that equals to extra 3 cups of coffee per month!</p>
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                    <a href="https://images.says.com/uploads/story_source/source_image/1220392/48a7.jpg" target="" class="imgwrap colorbox-image cboxElement" title="" rel="segment-810 noopener"><br />
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">Nespresso</a></small>
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<h2>Here&#8217;s a closer look at Nespresso&#8217;s machine subscription plans:</h2>
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                      <img decoding="async" class="source-img-1216569" alt="" src="https://images.says.com/uploads/story_source/source_image/1216569/1736.png"> </a>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">Nespresso</a></small>
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<p>For a limited time, you can also get the Vertuo Next (RSP: RM1,199) via Nespresso&#8217;s machine subscription plan for RM150 per month and the same upfront charge of RM50.</p>
<p>The machine allows you to choose from six different cup sizes in just one touch, letting you enjoy your favourite espressos (40ml), double espressos (80ml), gran lungos (150ml), mugs (230ml), altos (355ml), and carafes (535ml).﻿</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.nespresso.com/my/en/order/machines/vertuo/nespresso-vertuo-next-white-coffee-machine" rel="noopener">Nespresso</a></small>
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<h2>So, how much do you actually save by drinking Nespresso compared to buying coffee from your usual spots?</h2>
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<p>On average, one Nespresso coffee capsule comes up to less than RM3, which means you&#8217;re potentially saving RM7 a day if you&#8217;re comparing to the amount that you are paying for your usual coffee (RM10).<br />﻿<br />With the RM80 Nespresso machine subscription, you should have enough credits to buy three sleeves of coffee capsules (3 x 10 capsules) each month, which should last you throughout the month.</p>
<p>After a one-year subscription, you&#8217;ll probably end up paying a total of RM1,010 (RM50 + RM80 x 12 months). Now, if you compare that with café coffee, drinking Nespresso could save you over RM2,600 a year!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">SAYS</a></small>
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<h2>Find out how you can sign up for a <a href="https://www.nespresso.com/my/en/machine-subscription#/" target="_blank" rel="noopener">Nespresso machine subscription plan</a> today!</h2>
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<p>Or learn more about their machines, coffee capsules, and accessories by visiting their <a href="https://www.nespresso.com/my/en/machine-subscription#/">website</a>.</p>
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How Much Do You Spend On Coffee? This Plan Could Save You More Than RM2,600 A Year

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<h2>A Malaysian woman shared her disappointment on social media after she was offered only RM1,600 a month for a graphic designer job</h2>
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<p>In a 57-second <a target="_blank" rel="nofollow noopener" href="https://www.tiktok.com/@mastura_aaaaaaa/video/7329759853990137106?lang=en">clip</a> posted on her TikTok account, she shared that she received the salary offer after attending a job interview in Kuala Lumpur, where she had brought along her bachelor&#8217;s degree certificate.</p>
<p>The woman then claimed that the company used the excuse that they could only offer her a low wage because she had no job experience prior to the interview.</p>
<p>&#8220;I have a degree and they only offered me RM1,600 monthly salary because I don&#8217;t have any work experience.</p>
<p>&#8220;If I had applied to work in the retail industry with no job experience, they would&#8217;ve offered me at least RM3,000 a month,&#8221; she said.</p>
<p>Upset by the offer, she expressed that the experience left her feeling hopeless, especially since she had travelled all the way from her hometown to try and make a living in the capital city.</p>
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<h2>At the time of writing, the video has garnered over 130,000 views, with netizens sharing similar experiences in the comments section</h2>
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<p>&#8220;When I first started working, my basic monthly salary was only RM1,400. I had a bachelor&#8217;s degree, a child, and was also a single mother.</p>
<p>&#8220;Now I earn RM1,800. If you think working in your hometown pays more, then you should go for it,&#8221; commented one user.</p>
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<p>&#8220;That&#8217;s a normal salary for fresh graduates because most don&#8217;t have any working experience.</p>
<p>&#8220;However, if you stay in the industry for 10 to 15 years, you can earn so much more. Meanwhile, if you work in retail for the same amount of time, you would still be earning RM3,000,&#8221; wrote another.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.tiktok.com/@mastura_aaaaaaa/video/7329759853990137106?lang=en" rel="noopener">TikTok</a></small>
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<p>&#8220;These days, having work experience is more valuable than holding a certificate. That&#8217;s the reality because there are so many smart people out there,&#8221; commented another.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.tiktok.com/@mastura_aaaaaaa/video/7329759853990137106?lang=en" rel="noopener">TikTok</a></small>
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<h2>Watch the full video here:</h2>
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<blockquote class="tiktok-embed" cite="https://www.tiktok.com/@mastura_aaaaaaa/video/7329759853990137106" data-video-id="7329759853990137106" style="max-width: 605px;min-width: 325px;" >
<section> <a target="_blank" title="@mastura_aaaaaaa" href="https://www.tiktok.com/@mastura_aaaaaaa?refer=embed" rel="noopener">@mastura_aaaaaaa</a> </p>
<p>Patut budak lani malas blajaq tinggi2. Tambah pencen pulak takdak. </p>
<p> <a target="_blank" title=" original sound  - Cikgu Hanis" href="https://www.tiktok.com/music/original-sound-Cikgu-Hanis-7329759879068240641?refer=embed" rel="noopener"> original sound  &#8211; Cikgu Hanis</a> </section>
</blockquote>
<p> <script async src="https://www.tiktok.com/embed.js"></script></div>
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<h2>Meanwhile, a Malaysian man recently took to a Facebook group to share the challenges he encountered after working in Singapore for over two decades:</h2>
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Graphic Designer Disappointed After She Was Offered Only RM1.6K Despite Holding A Degree

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<h2>One topic we don&#8217;t talk about much in Malaysia is estate planning or will writing. However, it&#8217;s something important that Malaysians should become more aware of.</p>
<p>So, what happens if a loved one dies without a will — how do family members claim money and assets of the diseased?</h2>
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<p>When someone passes away without a will, it can take up to five years for their assets to be properly passed on to their family members. Without a will or estate planning, disputes can also arise, delaying the process. Lastly, if the deceased did not inform anyone about their possessions, the beneficiaries may not even know it exists.</p>
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<h2>Here&#8217;s a closer look at what happens to a person&#8217;s estates when he or she passes away without a will in Malaysia:</h2>
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<p>First of all, the death will be classified as &#8216;intestate&#8217;, a.k.a. death without leaving a will or instructions on estate distribution — this applies to savings in bank accounts, properties, investments, and other assets.</p>
<p>Next, depending on whether you&#8217;re a Muslim or non-Muslim, intestacy (inheritance) laws will determine how your estates are distributed.</p>
<p>However, this does not include Employees Provident Fund (EPF) or insurance payouts, as nominees for those would have been chosen. That&#8217;s why EPF members are encouraged to appoint a Nominee to facilitate and expedite the administration of EPF savings by the appointed Nominee after their demise.</p>
<p>For nomination made by Muslim members, the EPF savings will be administered and distributed according to Faraid Law. An EPF Nominee will be the Executor or Administrator of the said savings, and the same goes for Takaful. For nominations made by non-Muslim members, the savings will be administered and distributed according to the member’s instruction.</p>
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<h2>For Muslims:</h2>
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<p><p>Surviving family members will need to apply for Faraid Certificate from the Shariah Court. Next, all rightful Heirs must mutually agree to appoint the same Administrator. The estates will be distributed based on Shariah law — it will be given to Baitulmal (Islamic financial institution) if there are no surviving family members or no one claims the estates.</p>
<p>Beneficiaries have to apply for a Letter of Administration before the estates are distributed. The letter allows the person named to administer the estate of a deceased who has died without leaving a valid will.</p>
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<p>Surviving family members will need to appoint an Administrator. Similarly, beneficiaries need to apply for a Letter of Administration before the estates are distributed.</p>
<p>Upon which, the estates will then be distributed to the beneficiaries based on Distribution Act 1958 after deducting the funeral expenses and outstanding debts.</p>
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<p>On top of that, for both Muslims and Non-Muslims, the Administrator will need to find two sureties, whose role is to guarantee the same value of assets and ensure the estates are properly distributed. However, no sureties are needed if AmanahRaya is appointed as the Administrator for estates with a gross value of RM600,000 or below.</p>
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<h2>In Malaysia, three institutions have the power to issue the Letter of Administration: AmanahRaya, the Small Estate Distribution Unit of the Department of the Director-General of Lands and Mines, and the High Court (Civil)</h2>
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<p>AmanahRaya, a premier trustee company wholly-owned by the government of Malaysia, can be appointed as an Administrator for both Testate and Intestate estates regardless of value. As a one-stop centre for wealth and estate planning, AmanahRaya will professionally compile and manage deceased’s assets, settle any debts, and distribute the remaining assets to the rightful beneficiaries.</p>
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<h2>So, what happens to estates that are not claimed — where do the money and assets go?</h2>
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<p>Contrary to popular belief, estates are not &#8220;frozen&#8221; at AmanahRaya.</p>
<p>When a person passes away, the estates will be in the name of the deceased until their loved ones begin the process of administering it.&nbsp;The estates will not go directly to AmanahRaya.</p>
<p>For instance, if Ahmad leaves behind property, cars, bank deposits, and stocks when he dies, all assets will be frozen at the location or agency where they are being kept. The ownership of the assets still belongs to Ahmad until his surviving family members obtain a Letter of Administration. As long as this step is not done or delayed, the assets will continue to be frozen.</p>
<p>To prevent this from happening, every individual should know the basics of estate management. Better still, you should plan for your inheritance in advance by including a will as part of your wealth and estate planning instrument.</p>
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How To Claim Money And Assets If Someone Dies Without A Will In Malaysia

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<h2>A Malaysian man recently took to a Facebook group to share the challenges he encountered after working in Singapore for over two decades</h2>
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<p>According to <a target="_blank" rel="nofollow noopener" href="https://www.mstar.com.my/lokal/viral/2024/01/31/selepas-20-tahun-rakyat-malaysia-baru-sedar-penat-kerja-di-singapura-bujang-simpanan-rm12-juta-tak-tahu-nak-buat-apa">mStar</a>, the 42-year-old man said he began working as an engineer in Singapore in 2003.</p>
<p>During his tenure in the country, he disclosed that he successfully accumulated SGD354,258 (RM1.24 million) in his Central Provident Fund (CPF) account.</p>
<p><b>CPF serves as a social security and retirement savings scheme for employees in Singapore, similar to Malaysia&#8217;s Employees Provident Fund (EPF).</b></p>
<p>&#8220;If your CPF has accumulated to this extent, what should you do? I&#8217;m still contemplating what to do with this money because I&#8217;m no longer able to work in Singapore and commute daily.</p>
<p>&#8220;It&#8217;s hard to quit my job, considering of my current position as an engineer with a monthly salary of SGD5,000 (RM17,618). When I saw the total amount [in my CPF account]﻿, I felt like withdrawing it and enjoying the fruits of my labour,&#8221; he said.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.freepik.com/free-photo/singapore-view-waterfront-urban-architecture_1090348.htm#query=singapore&#038;position=7&#038;from_view=search&#038;track=sph&#038;uuid=91749c1d-c0e7-49ef-8d25-4de9f204f614" rel="noopener">mrsirapboi/freepik</a></small>
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<h2>After dealing with challenges in Singapore, he now faces a new dilemma in retirement back in Malaysia</h2>
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<p>In the comments section, the man also expressed concern about his future upon returning to Malaysia, having spent his formative years working at a factory in Singapore.</p>
<p>&#8220;The original plan was to work until the age of 55, but when I got promoted, I felt stressed with the increased workload. That&#8217;s when I realised I needed to explore other options before chronic illness sets in,&#8221; he said.</p>
<p>He added that he does not intend to use his CPF funds for property investment due to the  high capital requirements and his inability to manage them.</p>
<p>Seeking insights and suggestions, he turned to the Facebook group for guidance on his next chapter in Malaysia, as he doesn&#8217;t have a wife to turn to, and his parents asked him to figure out his future on his own.</p>
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<h2>Netizens gave the man various pieces of advice in the comments section</h2>
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<p>Most of the Facebook group members suggested looking into business and real estate investing, while others emphasised the significance of taking a break and rediscovering happiness after years of hard work.</p>
<p>&#8220;You should invest in the afterlife. Seek happiness, and get closer to God. Go do some &#8216;healing&#8217; activities and enjoy God&#8217;s creation while serving those in need,&#8221; commented one user.</p>
<p>Others suggested the man to contemplate marriage, with some users even expressing interest in becoming potential life partners.</p>
<p>&#8220;Get married, brother, it&#8217;s time to settle down,&#8221; wrote one user.</p>
<p>&#8220;You&#8217;re not married yet? Well, I don&#8217;t need a dowry. In fact, the wedding doesn&#8217;t have to be extravagant, I&#8217;ll just follow your lead. As long as you&#8217;re not tired of searching for love, it will come on its own,&#8221; commented another.</p>
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<h2>Meanwhile, a former university lecturer from Malaysia shared that he earns five times more working as a cleaner in Singapore:</h2>
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<p>&#8220;It&#8217;s true that working in Singapore can change your fortune,&#8221; he said.</p>
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<h2>In December, a Singaporean transport company posted a job advertisement featuring an enticing starting monthly salary of SGD5,000 (RM17,656.47):</h2>
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<h2>Many young Malaysians choose to work in Singapore to earn a better wage for their future:</h2>
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<p>The civil engineer hopes his videos will give others a rough idea of what budget living in Singapore is like.</p>
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<p>She completed her studies with an overall grade point average (GPA) of 3.84.</p>
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<h6><a href="https://says.com/my/news/malaysians-save-rm100000-three-years-odd-jobs-singapore" class="ga-curator-related">Netizen Shares How M&#8217;sians Can Save RM100,000 In 3 Years By Working Odd Jobs In Singapore</a></h6>
<p>Netizen Ng Yeow Chong said working at odd jobs in Singapore is a good way for many young Malaysians to save up their first RM100,000.</p>
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<p>&#8220;The pressure is different, and so are their expectations.&#8221;</p>
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"I've Saved RM1.24 Million" — M'sian Shares Difficulties Of Working In SG For 20 Years

“I’ve Saved RM1.24 Million” — M’sian Shares Difficulties Of Working In SG For 20 Years

PTPTN

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<h2>Ever wondered what your life will look like 20 years from now?</h2>
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<p>Will you be happily retired, living a lavish lifestyle, or will you be contented with a simple, fulfilling life?</p>
<p>While it&#8217;s not something we often think about, our future is very much related to the way we&#8217;re living today. How we spend and how we save could actually have a big impact on where we are financially 20 years down the road.</p>
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<h2>Don&#8217;t worry, we&#8217;re here to help! Tell us your everyday spending habits and we&#8217;ll give you an idea of how rich you&#8217;ll be in 20 years:</h2>
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<p><p><b>Quiz not loading? Just hit &#8216;Refresh&#8217; and try again!</b></p>
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<p><i>Note: This quiz is for entertainment purposes only. Dun so serious, okay? 🙂</i></p>
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<h2>Ultimately, your spending and saving habits today could have a great impact not just on your future, but also your children&#8217;s!</h2>
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<p><p>20 years down the road may seem like a long time away, but if you think about it, that&#8217;s probably when you&#8217;ll need to be paying for your children&#8217;s education. And there&#8217;s no better time to start preparing for it than right now!</p>
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<h2>One of the best ways to start saving for your children&#8217;s education is with The National Education Savings Scheme, a.k.a. Simpan SSPN</h2>
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<p>Administered by The National Higher Education Fund Corporation (PTPTN), Simpan SSPN is a government-backed savings scheme designed to help parents save for their children&#8217;s education.</p>
<p><b>Furthermore, saving with Simpan SSPN comes with a host of benefits:</b><br />&#8211; You can enjoy tax relief of up to RM8,000 a year<br />&#8211; It comes with takaful protection<br />&#8211; It sets aside funds specifically for education, so you won&#8217;t dip into it for other reasons</p>
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<h2>When you save with Simpan SSPN, you&#8217;ll also be entitled to join Cabutan WOW! Simpan SSPN 2024, which has prizes worth over RM1.3 million up for grabs, woah!</h2>
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<p><iframe loading="lazy" width="560" height="315" src="https://www.youtube.com/embed/B-B5Yvwcqro" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p>
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<p>Cabutan WOW! Simpan SSPN has always been a highlight for Simpan SSPN depositors. During PTPTN&#8217;s recent event, they announced the winners of Cabutan WOW! Simpan SSPN 2023 Kategori Cabutan Tahunan, who walked away with cash prizes of RM150,000 (first place), RM50,000 (second place), and RM10,000 (third place).</p>
<p><b>This year, PTPTN is continuing its tradition of big giveaways, with all kinds of amazing prizes up for grabs.</b></p>
<p>First of all, you could stand a chance to win the main prize worth RM10,000 in cash (one winner) or a RM500 consolidation prize (180 winners) with Cabutan WOW! series throughout the year:</p>
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<p>But what&#8217;s even more exciting is that you could be driving home a brand new <b>Proton X90 Flagship</b>,<b> Proton S50 Flagship</b>, or<b></b><b> Proton X70 Flagship X&nbsp;</b>motorcycle<b>&nbsp;</b>when you save with Simpan SSPN. Besides these grand prizes, you could also be bringing home <b>up to RM30,000 in cash</b>.</p>
<p>Depending on your savings tier, you&#8217;ll be eligible for different giveaways — the more you save, the bigger your rewards!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">PTPTN (Provided to SAYS)</a></small>
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<h2>The best part? All you need to do is deposit a minimum of RM50 with Simpan SSPN to join this giveaway.</h2>
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<p>For every RM50 you deposit with Simpan SSPN Prime and Simpan SSPN Plus, you&#8217;ll automatically get one draw and two draws, respectively.</p>
<p>But there are ways to up your chances of winning even more!</p>
<p>Earn five draws when you deposit RM50 into Simpan SSPN Prime through the myPTPTN app, direct debit, or through salary deduction. Or earn ten draws every time you deposit RM50 into Simpan SSPN Plus through the same three methods above.</p>
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<h2>Ready to build a bright future for your children? Start depositing into <a href="https://www.ptptn.gov.my/CabutanWOW2024/" target="_blank" rel="noopener">Simpan SSPN</a> today!</h2>
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<p>Learn more about Cabutan WOW! Simpan SSPN 2024 on their <a target="_blank" rel="nofollow noopener" href="https://www.ptptn.gov.my/CabutanWOW2024/">website</a>.</p>
<p><a target="_blank" rel="nofollow noopener" href="https://www.ptptn.gov.my/CabutanWOW2024/wp-content/uploads/2024/01/Terma-Syarat-Cabutan-WOW-Simpan-SSPN-2024_Final-1.pdf"><i>Terms and conditions</i></a><i> apply.</i></p>
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<h2>For more #education stories:</h2>
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<h6><a href="https://says.com/my/lifestyle/free-university-study-countries" class="ga-curator-related">These Countries Offer Free University Tuition For All Students, Including Malaysians</a></h6>
<p>But&#8230; cost of living is high.</p>
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<p>PTPTN is offering a 15% discount on loan repayments until  31 Mac 2024.</p>
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<h6><a href="https://says.com/my/lifestyle/ptptn-tax-deduction-parents-sspn" class="ga-curator-related">Parents, You Can Get Up To RM8,000 In Tax Relief By Depositing Into Simpan SSPN</a></h6>
<p>You can also stand to win cash prizes with Cabutan WOW! Y.E.S and Cabutan Tahunan! 😀</p>
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[QUIZ] Tell Us Your Everyday Spending Habits & We'll Guess How Rich You'll Be In 20 Years

[QUIZ] Tell Us Your Everyday Spending Habits & We’ll Guess How Rich You’ll Be In 20 Years

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<p><i>Follow us on </i><i><a target="_blank" rel="nofollow noopener" href="https://www.instagram.com/saysdotcom/">Instagram</a></i><i>,&nbsp;</i><i><a target="_blank" rel="nofollow noopener" href="https://www.tiktok.com/@saysdotcom">TikTok</a></i><i>, and&nbsp;</i><i><a target="_blank" rel="nofollow noopener" href="https://www.whatsapp.com/channel/0029VZzynzi6RGJG0QbRfy3O">WhatsApp</a></i><i>&nbsp;for the latest stories and breaking news.﻿</i></p>
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<h2>According to a survey conducted by the Financial Education Network (FEN), 84% of Malaysians do not have regular savings every month</h2>
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<p><p>Nor Rafidz Nazri, the Joint Chairman of FEN and Financial Inclusion Department Director of Bank Negara Malaysia (BNM) revealed findings from the triennial survey. This includes the fact that 27% of the population expressed significant concern about their capacity to cover living expenses during retirement.</p>
<p>&#8220;The level of financial literacy among Malaysians is still low. The study found that 69% prefer spending over saving, leading to a lack of savings for emergencies. Moreover, 47% admitted to having difficulty setting aside RM1,000 for emergencies,&#8221; he shared.</p>
<p>Additionally, as per a report in Berita Harian, merely 20% of employed adults in the nation can maintain their living expenses for a minimum of three months in the event of income loss, due to insufficient emergency funds.</p>
<p>If this continues, individuals will struggle to effectively manage their finances and ensure future security. This is why it is imperative for Malaysians to heighten their awareness regarding their spending and saving habits.﻿</p>
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<h2>Aiming to help with this problem is REV Media Group&#8217;s Cakna Duit financial literacy campaign, an initiative to empower Malaysians with financial knowledge through easy-to-understand content</h2>
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<p>Hosting the Cakna Duit campaign is The Vocket, a digital media platform that showcases the latest news and stories about travel, technology, fashion, and creativity.</p>
<p>&#8220;The financial literacy campaign will run for three months (January &#8211; March) and aims to enhance the knowledge of Malaysians to be more aware of financial matters, whether it&#8217;s about crypto, financial budget planning, improving credit scores, and more.</p>
<p>&#8220;January is the best time to start this campaign, aligning with the mission for financial literacy in 2024. We hope many will become more aware of financial management through the Cakna Duit campaign,&#8221; said Noraniza Azmi, Head of Malay Network, REV Media Group.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://thevocket.com/caknaduit/" rel="noopener">The Vocket (Provided to SAYS)</a></small>
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<h2>What makes the Cakna Duit campaign unique is that it will feature casual financial discussions by distinguished experts</h2>
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<p><p>The main goal of the Cakna Duit campaign is to attract Malaysians, especially the younger generation, to start planning their finances better. To do this, the campaign will involve individuals who are experts in their respective fields casually delving into various financial management topics on social media.</p>
<p>For example, in January, during one of the episodes of their <i>VOCCAST</i> podcast, The Vocket&#8217;s editorial team will be having a conversation with Aznah Abas, a credit card enthusiast. They will be exchanging opinions and correcting public perceptions about credit cards.</p>
<p>Azam Anwar, Chief Editor of The Vocket, shared some insight into content you can expect from the Cakna Duit campaign.</p>
<p>&#8220;We will produce video reviews of financial applications that can be downloaded for free. To gain the perspective of Malaysians, we also plan to randomly interview the public about financial topics and summarize them in several short &#8216;Voxpop&#8217; videos. Certainly, there will also be financial tips shared by experts and business owners in the form of articles,&#8221; he said.</p>
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