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.

Welcome to Ringgit Oh Ringgit, the newsletter where I share exclusive content, tips, and tricks on how to save money, earn more, and invest wisely so you can design YOUR life._______________________________________________________________________Dear...

Hi ,I’m Suraya, the blogger behind RinggitOhRinggit.com, which is all about optimising personal finance without sacrificing quality of life. Some time back you subscribed to the RoR newsletter, which features exclusive content, tips, and tricks on ho...

Hey ,Happy Wednesday! You're getting this email because you need to know that #FinPlan4U, the financial planning consultation event that is only FREE ONCE A YEAR is happening THIS WEEKEND.All you have to do is get your fine self to Exhibition Hall 4,...

Hi ,Suraya here from RinggitOhRinggit.com, bringing you 3 more things to know this week to improve your $$$ knowledge!#1 - Free personal financial health checkMula.com.my is Malaysia's first 'money fitness app with robo-planner'. From what I see, the...

Hi ,Suraya here from RinggitOhRinggit.com, bringing you 3 more things to know this week to improve your $$$ knowledge!#1 - Carousell's Free Item tabDid you know you can find FREE items on Carousell? Here's how to find free stuff near you:1) Select Fr...