Cindyrina | Travel, Shopping & Personal Finance Tips

  Let’s be real. It’s rough out there. Between RM15 iced lattes, concert tickets, and the endless urge to "add to cart," our bank accounts are fighting for their lives. But imagine checking your phone in a few years and seeing a massive emergency fund sitting there. A safety net that lets you travel, move out, or even retire early without sweating. It’s not a pipe dream. It’s just simple math. If you start saving  at least 20% of your paycheck  today, you’re literally buying your future freedom. And the absolute best, zero-stress place to dump that 20%?  Amanah Saham Bumutera (ASB) . The 20% Rule: Pay Your Future Self First When that salary hits, the vibe is usually  “I work hard, I deserve a treat.”  And honestly, you do! But don’t let your current lifestyle rob your future self. Try the  50/30/20 rule : 50%  for Needs (Rent, bills, groceries, survival) 30%  for Wants (Cafe hopping, concerts, clothes) 20%  for Savings/Investments (The u...

  Many of us have been dreaming of early retirement. I was blessed to retire at the age of 45 years old. I was planning to retire at 50 years old. However, due to some unforeseen circumstances, I ended forced to retire at 45 years old. I was partially ready to retire from work at that time. To be honest, mentally unprepared. From my experience, here are some tips for you to avoid some mistakes when planning for retirement. 1. Starting too late Most of us tend to be carried away with lifestyle spending during our younger days. Especially in the current style of living. Many have the FOMO habit which is fear of missing out! Most of the money wasted away to unnecessary spending. My advice is don't delay your retirement savings because it will result in insufficient funds during retirement days. 2. Underestimating expenses Inflation can be daunting. It will squeeze out your money. It is important to create a realistic budget and be prudent about it.  Never underestimate unexpected...