Author Archives: Larry David

About Larry David

A normal Malaysian guy with a normal job who are earning below average. Have a big interest on personal finance and wanted to learn more how to make money work for him. "Money will not grow on tree but can grow in an investment account"

Save Money, Cut Down the Monthly Internet and Mobile Bills

Recently P1 Company was taken over By Telekom Malaysia and it was changed to Webe. Due to this reason, my P1 Wimax plan in my area no longer available. Due to this, P1 customer service suggested terminating my account without any penalty since its still within contract period of 24months. I thought that’s a very good chance for me to trim down my monthly commitment Continue reading >

RM1000 Goal: My Second RM1000

Since I started with the RM1000 goal a few months ago, this is my second RM1000 Yeah! I have accumulated RM2000 in the process. It’s been a bit slow because I don’t have any other source of income. The bulk of my income come from my day job and I don’t have any other part time job or online business. It feels good looking at your account Continue reading >

Cuti-Cuti Malaysia 3Days 2Night Trip to Melaka: Not a Budget Trip

Since the Economy is not that good and the Ringgit is depreciating against other currency, it’s a good idea to support the local economy. So it’s time for Cuti-Cuti Malaysia visit to Malacca! I was hoping it to be a budget trip, however it does not happen as I wish. I did not have the full list of the expenditure but it is roughly around Continue reading >

How to Open Trading Account to Trade Shares in Bursa Malaysia

So you were thinking to trade share in Bursa Malaysia but don’t really know how to start? Don’t worry,  been there, done that. So I’ll be sharing on how I open my share trading account with Maybank. In 2014, when I read the famous book, Rich dad Poor dad by Robert Kiyosaki and the book Money secret by Andrew Chia, I was very excited to Continue reading >

How to Pay off PTPTN Loan Using EPF

Are on the run from PTPTN because you failed to pay off according to the schedule or you don’t have cash to pay off your unpaid PTPTN loan? Then you might want to pay them off by using your money in EPF aka KWSP. Some of us might have been blacklisted because defaulting in PTPTN repayment. If you’ve been working for some time, don’t worry, Continue reading >

How I save Money in 2016 and What is My Saving Plan in 2017

2016 was a pain in the ass for my financial. I was unable to save much and not having enough discipline to save and track my expenses. Though I feel like living an average, still not saving enough and reach my financial freedom goal. I was only able to save 10% of my total earning in 2016. But I personally think it’s a good start. Continue reading >

My Financial Goal for 2017

We’ve been riding the 2017 wave for a few weeks now. I think it’s time to rethink what we wanted to achieve for 2017. Anything. For me, it will always be financial. It feels like crap when we have nothing to spend and have an empty bank account.  Loser. So that’s why saving is my primary goal. I want to accumulate enough to start my own Continue reading >

2016 Reflection: My Job, Financial And Life

Yesterday was 2016 and today is 2017. Goodbye 2016. I guess the first day of 2017 is the day of reflection of what has happen yesterday and what we achieve. Looking back, there are so many things need to be done. My Job As i recall, in 2016 i change job once. I was actually looking for a stable job. I meant permanent position. I Continue reading >

RM1000 Goal: First RM1000

So this month is the first month I manage to accumulate RM1000. I was trying to find other source of income to add into my RM1000 goal but unable to find one. So the only source of money is from my monthly salary. On my first RM1000, I decided to split it into 2. The first half will be invested in shares while the other Continue reading >