Hello Grasshoppa, In today’s digital age, making online transactions has become second nature to most of us. Whether you’re purchasing goods, services, or even transferring money to friends and family, there are various payment methods at your disposal. Two of the most popular options are credit cards & PayPal. Both offer convenience & security, but they have distinct features that may suit different preferences and situations. Let’s dive into the comparison of Credit Card vs. PayPal to help you make a better decision on which is the best for you: Credit Card: 1. Widespread Acceptanc ..read more

Hello Grasshoppa, Throughout my financial journey, I’ve shared tales of my credit card experiences, from the lows of debt to the highs of strategic benefits. Each card has woven a unique thread in the fabric of my financial story, teaching me valuable lessons along the way. Let’s delve into how my views on credit cards have transformed over the years. The Trauma When I started to have my first credit card in my early 20s, I had no idea how to manage my overall finances. In my mind, having a credit card at that time was cool since all my friends were having it & I didn’t want to have the f ..read more

Hello Grasshoppa, AirAsia has reintroduced its Unlimited ASEAN Pass (previously Super+) & it is a current hot trend, especially for travelers who hope to grab good deals as flight prices are skyrocketing. Not joking. This year itself, aside from the upcoming airport tax implemented by the Malaysian government (effective 1st June 2024) from RM35 to RM50 (KLIA2) & RM70 (KLIA), flight prices are extremely high. Due to the higher price of the flight, I have to cancel my travel plans to the Philippines as it is just too expensive. I have also checked other alternative places such as Kazakhs ..read more

Hello Grasshoppa, In the hustle & bustle of modern times, sleep often gets pushed to the bottom of the priority list. We convince ourselves that burning the midnight oil is the key to getting ahead & sacrificing sleep is a badge of honor in the pursuit of success. But what if I told you that the opposite is true? That investing in your sleep is not a luxury, but a necessity for achieving your full potential? Think of your body and mind as a high-performance machine. Just like any machine, it needs regular maintenance & tune-ups to function at its best. Sleep is that essential mai ..read more

Hello Grasshoppa, If you aim to conquer the market & beat them in their own game you need to understand smart investing, calculated risks, and building long-term financial well-being. It sounds pretty easy when we factor these 3 simple understanding but the execution can be pretty challenging if you are not familiar with it. Don’t worry Grasshoppa, in today’s post I will be sharing 7 Effective Investment Tips that you can use to be the Conqueror of the Market. Are you ready to tie on your metaphorical gi and step onto the mat of financial freedom? Then prepare to learn some powerful invest ..read more

Hello Grasshoppa, One of the regular topics that is talked about by our current government is tackling high financial costs for Malaysians. Over my years of traveling & learning about other countries’ income vs cost of living, Malaysia is one of the countries where I find to be most affordable to live in with our current income. It is solely based on my opinion & experience (I may be wrong) but I find that living in Malaysia can be quite affordable if you know how to manage your money right. Of course, there is some room to be improved when it comes to a certain monopoly where prices ..read more

Hello Grasshoppa, I have a secret to share with you today on a powerful wealth-building strategy that’s often overlooked or underestimated: Dollar Cost Averaging (DCA). Whether you’re a seasoned investor or just starting on your journey to financial freedom, understanding and implementing DCA can make a significant difference in your long-term financial success. Many years ago when I started to invest, I went from having debts to building my retirement portfolio. It wasn’t through risky bets or overnight wins. It was through discipline, strategy & consistent investing. DCA is a key p ..read more

Hello Grasshoppa, Navigating the world of finance can feel like deciphering a secret language. There are different acronyms with different terms that are being used around & it can be confusing sometimes. There is a lot of financial jargon that is used among the experts & professionals that may be too complicated or less important for you to learn. In this post, I will be covering the main financial jargon that you can’t afford to ignore. Investing Basics: 1. Stocks Owning shares of a public listed company, hoping its value increases while paying you dividends. Some companies pay divi ..read more

Hello Grasshoppa, Despite finding ways to reduce the cost of a subscription or fully cutting it off, we will have some unavoidable ones that we will still need in our daily lives. Over the years, I have tried to cut down as many subscription costs as possible by finding loopholes or solutions to save that money. Today, some of the paid ones that I am actively using include my phone bill, internet & some other website subscriptions. Based on the below list, you can look at the ones that I managed to save while still actively using it. For Netflix & Spotify, I am riding on my brother’s ..read more

Hello Grasshoppa, One of my initiatives to save money many years ago is to buy everything in bulk so I can save money. Years later, aside from saving money, I realized that it has been giving me more benefits. Even today, aside from buying bulk items for my daily care & toiletries, I have also bought items such as food that I can freeze to use over the long term. Before we go further on those details, let’s explore why you should buy in bulk. 1. Save Money Buying in bulk not only helps you to save money due to higher quantity purchases but it also helps you to save money on your trips. F ..read more