I started tracking my expenses at 17 years old. This year, 2025, I am 37 years old. That means I have been on a 20-year personal finance journey. Continue reading My 20-year Personal Finance Journey [PERSONAL] at Ringgit Oh Ringgit.

Authors note: When I first wrote Welcome to Financere: An AI/Personal Finance Short Story back in 2020*, I never imagined AI would be so normalised as it is today in 2025. Continue reading Welcome to Financere: An AI/Personal Finance Short Story at R...

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. Continue reading Budget Update November + December 2024 – at Ringgit Oh Ringgit.

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. Continue reading Budget Update October 2024 – Besties Staycation at Ringgit Oh Ringgit.

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. Continue reading Budget Update September 2024 – Grocery Shopping in Another Country at Ringgit Oh...

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. Continue reading Budget Update August 2024 – Waiting for a Breakout at Ringgit Oh Ringgit.

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. Continue reading Budget Update July 2024 – Getting a Financial Planner at Ringgit Oh Ringgit.

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. Continue reading Budget Update: June 2024 – Where I’d Prefer to Live at Ringgit Oh Ringgit.

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. Continue reading Budget Update: May 2024 – Of Hospitals and Books at Ringgit Oh Ringgit.

I guess EPF Akaun 3 withdrawal is due to the government getting tired of the people urging for further EPF withdrawals? Continue reading How to Do EPF Akaun 3 Withdrawal (& 7 Uses for the Money, from Best to Meh) at Ringgit Oh Ringgit.