How to Boost Your Savings Rate (Beyond Just Budgeting)

 

Introduction: Budgeting is Just the Beginning

If you’ve read any personal finance advice, you’ve probably come across the word “budgeting”.

And yes, budgeting is important. But here's a truth not many talk about:

Budgeting doesn’t guarantee you’ll save money.

That’s because budgeting is planning. But savings come from action — decisions you make every day that either support or sabotage your savings rate.

So if you're already budgeting (or struggling to start), this post will show you how to go beyond the budget — with real, actionable strategies to help Malaysians boost their savings rate significantly.

First: What is Savings Rate, and Why Does It Matter?

Savings rate = (Savings ÷ Income) × 100

Let’s say:

• You earn RM5,000/month

• You save RM1,000/month
  ✅ Your savings rate = 20%

Why is it important?

Because the higher your savings rate, the:

• Faster you reach financial independence

• More buffer you build for emergencies

• Greater your investment capital

And if you want to retire early or even just survive inflation — boosting this number is key.

1. Automate Your Savings — Like It’s a Bill

The biggest mistake?
Trying to save "whatever is left" after spending.

Instead, pay yourself first:

• On payday, transfer your savings portion first

• Treat it like a bill you must pay (like rent or PTPTN)

✅ Tip:
Use auto-debit to transfer RM500 (or your target) to a separate savings or investment account.

It removes temptation and builds discipline.

2. Embrace the “No Budget” Budget — Use Fixed Percentages

If you hate tracking every sen, here’s a powerful minimalist strategy:
Use the 50/30/20 Rule (or similar variations).

• 50%: Needs (housing, food, transport, etc.)

• 30%: Wants (entertainment, shopping)

• 20%: Savings & investments

Even better? Flip it:

“Save first, spend the rest.”

Set your saving rate (e.g. 30%) and treat the rest as your spending budget.

3. Cut Invisible Spending

Here’s the truth: Most people overspend on things they don’t notice.

Examples:

• Subscription services you forgot about

• Unused gym memberships

• E-wallet auto top-ups you never monitor

• Paying minimum credit card balances and bleeding interest

✅ Action:
Review your monthly bank statement.
Find 3 items to cancel, downgrade, or eliminate.

4. Audit Your Grocery & Food Expenses

In Malaysia, food spending can easily creep up — especially with GrabFood, café hopping, and groceries that cost more post-2022 inflation.

✅ Strategy:

• Stick to a weekly grocery budget.

• Cook simple meals 3x/week.

• Make coffee at home instead of RM15 lattes daily.

Savings potential? Easily RM200–RM500/month.

5. Track Net Worth Monthly (Not Just Expenses)

Budgeting focuses on where your money goes.

But net worth tracking shows your overall financial health:

• Assets (EPF, ASB, savings, stocks, property)

• Liabilities (loans, credit cards, car loan, PTPTN)

When you track your net worth monthly, you’ll naturally become more motivated to save — because you can see your progress in real numbers.

6. Increase Income (Because There’s a Limit to Frugality)

You can only cut expenses so far.
But your income ceiling is limitless.

Ideas to earn more:

• Offer a freelance service (design, writing, translation)

• Start a low-capital online business

• Sell digital products (ebooks, guides)

• Use AI-powered side hustles 

• Upskill for a higher-paying role

✅ Remember: Every RM100 you earn and save is another boost to your savings rate.

7. Save Your Pay Raise (Don’t Inflate Lifestyle)

Get a bonus or raise?
Most people upgrade their life immediately.

Instead:

• Keep your lifestyle the same for 6–12 months

• Direct the extra income into savings or investments

✅ If you do this for 2 years, you can double your savings rate without “feeling” poorer.

8. Refinance or Reassess Your Big Bills

Are you overpaying for:

• Housing loan interest?

• Car loan interest?

• Insurance policies?

✅ Action:

• Compare refinancing options (e.g. iMoney)

• Use tools to compare insurance rates

• Consolidate debts to reduce monthly burden

Even reducing RM200/month from loans or policies increases savings potential.

9. Set Clear Short & Long-Term Goals

Saving “for the sake of saving” is boring.

Set goals like:

• RM10k emergency fund in 6 months

• Down payment for a house in 2 years

• RM100k investment portfolio by age 35

When your goal is clear, your motivation increases and so does your discipline.

10. Make Saving Fun

Saving money shouldn’t feel like punishment.

Gamify it:

• Use a 30-day no-spend challenge

• Try “RM5 rule” (every RM5 note goes to savings)

• Compete with a friend who can save more in a month

Celebrate milestones. Track visually. Reward yourself (modestly) when goals are hit.

Final Thoughts: Budgeting is the Map — Savings is the Journey

Budgeting is just the start.
To truly build wealth, you need systems, habits, and a mindset that constantly looks for ways to increase your savings rate.

Start small. Be consistent.
And remember — every ringgit saved is a seed planted for your future.

Common Mistakes Malaysians Make When Buying Property (and How to Avoid Them)

 

Introduction: Buying Property is a Big Deal

For most Malaysians, buying a property is the biggest financial decision they'll ever make.
But because it's so exciting — and sometimes pressured by friends, family, or FOMO — many end up making expensive mistakes.

Today, let’s walk through the most common property-buying mistakes in Malaysia and more importantly, how you can avoid them.

1. Not Knowing Your True Budget

Just because the bank approves you for a RM500,000 loan doesn’t mean you should borrow that much.

✅ Tip:
Use the 30/30/3 Rule:

• 30% of your monthly income should cover mortgage payments.

• 30% down payment ideally.

• 3x your annual income is the max price of property you should target.

Example:
If you earn RM5,000/month → mortgage ideally ≤ RM1,500/month.

2. Ignoring All the Hidden Costs

Buying a house isn’t just about downpayment and loan.

Hidden costs include:

• Stamp duty (RM10k+ for mid-range homes)

• Legal fees (lawyer fees, SPA, loan agreement)

• Valuation fees

• MRTA/MLTA insurance

✅ Tip:
Prepare at least 5%–7% of property price for these extras.

3. Overestimating Rental Yield (For Investors)

Thinking "I can easily rent it out for RM2,000/month" is dangerous.

Reality check:

• Many condos sit empty for months.

• Rental markets fluctuate.

• Maintenance costs eat into profits.

✅ Tip:
Always use conservative estimates (example: assume 10% vacancy annually and maintenance fees).

4. Choosing the Wrong Loan Package

Some buyers blindly pick the first housing loan offered.

Mistake!

Loan terms (interest rates, lock-in periods, flexibility) matter a lot over 30 years.

✅ Tip:
Use home loan comparison sites like iMoney or RinggitPlus.

✅ Pro Tip:
Sometimes a slightly higher rate with no lock-in period saves you more flexibility long-term.

5. Not Checking Developer Reputation

Especially for new projects, choosing a bad developer leads to nightmare:

• Construction delays

• Poor quality

• Abandoned projects

✅ Tip:
Always check:

• Developer past projects

• Any late delivery complaints

• Financial strength

6. Buying Emotionally, Not Logically

"I fell in love with the kitchen!"
"I love the pool view!"

Be careful.
Buying property is about long-term finances, not just emotional excitement.

✅ Tip:
Before signing, ask:

• Is this area growing in value?

• Are the amenities sustainable (future MRT, malls, universities)?

• What’s the potential rental demand?

Real-Life Example: How Small Mistakes Cost Big Money

• A young couple bought a condo RM500,000.

• Monthly installment RM2,300.

• After 5 years, market price dropped due to oversupply — now valued at RM450,000.

• Monthly rental achievable: RM1,800.

✅ They overpaid. ✅ Wrong location (too many new condos around). ✅ Now stuck unless they sell at a loss.

Conclusion: Property is a Marathon, Not a Sprint

Buying your first (or second) property should be a carefully planned decision, not an emotional race.

Take your time, do your homework, calculate conservatively, and always be prepared for hidden costs.

Because in property, small mistakes today = big regrets tomorrow.

The Ideal Money Flow Through Different Life Stages (Malaysia Edition)

 

Introduction: Why Your Money Flow Needs to Evolve

Managing money isn’t just about saving every month — it’s about adjusting your financial strategies according to the phase of life you are in.

In Malaysia, where the cost of education, property, and healthcare keeps rising, managing cash flow wisely at each stage of life can make the difference between financial freedom and financial stress.

Today, let's walk through the three main life phases and see how you can optimize your money flow at each.

Phase A: Learning Phase (Age 0–24) — Build the Foundation

When you're young, you have one massive advantage: Time.

Even if you don't have a big income (or any income yet), you can still lay the groundwork for a healthy financial future.

Key Money Moves:

• Learn about personal finance early (budgeting, saving, compounding)

• Open a savings account early (banks like Maybank, CIMB offer youth accounts)

• Minimize student debt (apply for PTPTN wisely, consider scholarships)

• Start small side hustles to build skills and cash flow

Example:
Saving just RM100/month starting at age 18 into an ASB fund (6% annual return) grows to RM23,300 by age 30 — enough for a car down payment or emergency fund.

Tip:
Prioritize education over lifestyle. Every ringgit you don't waste today becomes leverage tomorrow.

Phase B: Accumulation Phase (Age 25–55) — Build Wealth

This is the longest and most crucial stage. It’s the time when you build your career, family, assets, and hopefully — investments.

Key Money Moves:

• Prioritize savings and investing. Target at least 20%–30% of your income.

• Start your EPF and PRS contributions early.

• Buy insurance (life and medical) — it’s cheaper and easier when you’re young.

• Plan major expenses carefully (property, marriage, kids’ education).

• Avoid lifestyle inflation. Just because your salary goes up doesn’t mean you need a new car every two years.

Malaysian Example:
A 30-year-old investing RM500 monthly into a REIT ETF averaging 5% return annually can build a RM400,000 fund by age 55 — enough for partial retirement.

Phase C: Preservation and Retirement Phase (Age 55 and Beyond) — Protect and Enjoy

Now, the goal shifts from growing wealth to preserving wealth and making it last.

Key Money Moves:

• Rebalance your portfolio to safer assets (government bonds, dividend stocks, REITs).

• Withdraw sustainably — the "4% Rule" suggests withdrawing 4% of your retirement assets yearly.

• Manage healthcare costs carefully.

• Consider part-time consulting or passive income projects if desired.

• Update your will and estate plans.

Tip:
Protect capital over chasing high returns. A RM500,000 fund lasting 20 years only needs RM25,000 withdrawals yearly.

Common Money Mistakes Across Stages

• Overspending in the 20s.

• Underinvesting in the 30s.

• Ignoring healthcare and estate planning in the 50s.

Each stage needs different strategies. Recognizing where you are today is the first step towards a better tomorrow.

Conclusion: Your Money Flow = Your Life Flow

Life is dynamic. So is money management.
The earlier you recognize your stage and apply the right strategies, the smoother your financial journey becomes.

Whether you're fresh out of college, mid-career, or enjoying your golden years — adjust, adapt, and stay proactive.

Because financial freedom is not a destination — it’s a lifelong journey.

Real Estate Investment: Is It Right for You?

Real estate has long been seen as one of the most stable and lucrative investment options. Many wealthy individuals have built their fortunes through property investments, and the idea of owning physical assets is attractive to many investors. But is real estate investment right for you? In this post, we’ll explore the benefits, challenges, and key factors to consider before diving into the property market.

Why Consider Real Estate Investment?

Unlike stocks or bonds, real estate is a tangible asset that can provide both passive income and long-term appreciation. Here’s why investors often turn to real estate:

1. Stable and Tangible Asset

Unlike paper assets like stocks, real estate is a physical investment. It holds intrinsic value and is less prone to extreme fluctuations compared to financial markets.

2. Passive Income Through Rental Yields

Owning rental properties allows investors to generate monthly income. In Malaysia, rental yields in key areas such as Kuala Lumpur and Johor Bahru range from 3% to 6%, depending on the type of property.

3. Hedge Against Inflation

Real estate values and rental income often increase over time, helping investors keep up with inflation. Property owners can adjust rental rates to match rising living costs.

4. Leverage for Bigger Returns

Unlike stocks, real estate investments allow you to use leverage. By taking a mortgage, you can purchase a property with a small down payment and grow your returns using borrowed capital.

Challenges of Real Estate Investment

While real estate can be rewarding, it is not without risks and challenges. Here are some potential drawbacks:

1. High Initial Capital Requirement

Buying a property requires a significant upfront investment. In Malaysia, a typical down payment for a property is 10% of the purchase price, excluding legal fees, stamp duties, and renovation costs.

2. Liquidity Issues

Unlike stocks, real estate is not a liquid asset. Selling a property can take months, especially during economic downturns. Investors need to be financially prepared for market fluctuations.

3. Maintenance and Management Costs

Property ownership comes with additional costs such as maintenance, property taxes, and management fees if you hire an agent. Rental properties require continuous upkeep, which can eat into profits.

4. Market Fluctuations and Regulatory Risks

Government regulations, interest rates, and market conditions can affect real estate values. In Malaysia, policies such as the Real Property Gains Tax (RPGT) impact how quickly investors can profit from property sales.

Key Considerations Before Investing

Before making a real estate investment, consider the following factors:

1. Investment Goals

Are you looking for passive income, long-term appreciation, or a combination of both? Residential properties are great for rental income, while commercial properties offer higher yields but come with higher risks.

2. Location Matters

The property’s location significantly impacts its value and rental demand. In Malaysia, areas with strong job markets, public transport access, and commercial activities tend to perform better.

3. Financing and Mortgage Rates

Most investors use loans to finance property purchases. Compare mortgage rates and calculate monthly installments to ensure affordability. The Debt Service Ratio (DSR) is an essential factor banks consider before approving loans.

4. Market Timing and Economic Conditions

Research market trends before making a purchase. Buying during an economic downturn can lead to better deals, while peak markets may result in overpriced properties.

Is Real Estate Investment Right for You?

Real estate investment can be highly profitable, but it requires careful planning, financial stability, and long-term commitment. If you have sufficient capital, understand the risks, and are willing to manage the responsibilities of property ownership, real estate can be a great addition to your investment portfolio.

However, if you prefer a more liquid investment or want lower maintenance investments, alternative options like stocks, REITs (Real Estate Investment Trusts), or ETFs may be more suitable.

Would real estate be a good investment for your financial goals? Evaluate your risk tolerance, financial situation, and investment strategy before making a decision.

ARM’s Investment in Malaysia: A Game Changer for the Tech and Financial Landscape

The semiconductor industry has always been a key driver of economic growth, and Malaysia has long been a crucial player in the global supply chain. Recently, ARM Holdings announced its plans to invest in Malaysia, marking a significant milestone for the country’s position in the tech sector. This move is expected to impact various industries, including financial markets, technology investments, and the overall economic outlook.

In this post, we will break down the significance of ARM’s investment, how it aligns with Malaysia’s growing semiconductor ecosystem, and what this means for investors looking to capitalize on the tech boom.

ARM’s Expansion: A Strategic Move for Malaysia

ARM Holdings, a global leader in semiconductor design, plays a pivotal role in developing chip architectures used in everything from smartphones to AI-driven data centers. With the demand for semiconductors surging due to advancements in AI, 5G, and IoT, ARM’s expansion in Malaysia is seen as a strategic move to strengthen its presence in Asia.

Malaysia is already home to several global semiconductor firms, contributing significantly to the country’s GDP through exports. The government has actively promoted this sector by providing tax incentives, special economic zones, and a skilled workforce. ARM’s decision to invest here further solidifies Malaysia’s reputation as a major semiconductor hub.

How This Impacts Malaysia’s Financial Markets

1. Increased Foreign Direct Investment (FDI)

ARM’s investment signals strong confidence in Malaysia’s economy, potentially attracting other multinational tech giants. Increased FDI can boost Malaysia’s financial markets, leading to higher investor confidence and more opportunities in sectors linked to semiconductors and technology.

2. Strengthening the Ringgit

A strong inflow of foreign investment often strengthens the local currency. With ARM’s investment, coupled with other semiconductor-related investments, Malaysia’s ringgit (MYR) could see upward pressure, improving purchasing power and economic stability.

3. Growth in Local Tech Stocks

The semiconductor and tech sectors in Malaysia have been gaining traction, and ARM’s presence could boost the valuation of related stocks. Companies in the semiconductor supply chain  may benefit from increased demand for components and services. 

4. Expansion of Malaysia’s Digital Economy

ARM’s investment aligns with Malaysia’s broader push toward a digital economy, supported by initiatives such as the MyDIGITAL framework. With AI, cloud computing, and automation on the rise, sectors like fintech, blockchain, and digital payments could also see substantial growth.

Investment Opportunities: How to Capitalize on the ARM Boom

1. Investing in Malaysia’s Semiconductor Stocks

If you’re an investor looking to ride the wave of semiconductor growth, Malaysian companies involved in chip manufacturing, design, and automation could be worth exploring. 

2. ETFs and Mutual Funds Focused on Technology

For a diversified approach, investors can consider exchange-traded funds (ETFs) or mutual funds that track Malaysia’s tech industry. These funds typically hold multiple tech-related stocks, reducing risk while offering exposure to the sector’s growth.

3. Real Estate in High-Tech Zones

As more tech companies expand in Malaysia, demand for office spaces, industrial parks, and residential areas in key tech hubs will likely increase. Investing in properties within areas benefiting from tech expansion could yield long-term capital appreciation.

4. Startups and Venture Capital

Malaysia’s tech ecosystem is booming, and ARM’s investment could inspire more innovation. Investing in local startups, particularly those in AI, semiconductor services, and digital technology, may offer high-growth opportunities.

What This Means for Malaysia’s Future

ARM’s move into Malaysia is a strong validation of the country’s potential in the global semiconductor race. With continued government support, a skilled workforce, and increasing foreign investment, Malaysia is poised to become a top tech hub in Southeast Asia.

For investors, this signals an exciting time to explore opportunities in tech stocks, real estate, and the broader digital economy. While risks always exist in investing, staying informed and diversifying can help maximize potential gains.

As Malaysia’s semiconductor sector gains momentum, it’s crucial to monitor how companies, policies, and global tech trends evolve in the coming years. Whether you're a local investor or an international one looking at emerging markets, Malaysia’s tech-driven future is one worth keeping an eye on.

Welcoming the Lunar New Year: Financial Wisdom for a Prosperous Year Ahead

The Lunar New Year is just around the corner, and as families prepare to usher in another year of health, happiness, and prosperity, it's also the perfect time to reflect on financial habits and goals. After all, Chinese New Year isn't just about firecrackers and feasts — it carries a deep-rooted significance of starting afresh and paving the way for abundance. This year, why not extend that philosophy to your financial life?

In this post, we’ll explore how you can apply the wisdom of Chinese New Year traditions and teachings to set yourself up for financial prosperity, all while enjoying the festive season without overspending.

1. Embrace the Financial "Spring Cleaning"

Chinese New Year is synonymous with spring cleaning — clearing out the old to make way for the new. In the same vein, you can give your finances a fresh start by evaluating your current financial situation.

• Declutter Your Finances: Take stock of outstanding debts, subscriptions you don’t use, and other unnecessary expenses.
• Set Clear Goals: Whether it’s paying off credit card debt, saving for a family trip, or investing in a retirement fund, this is the perfect time to establish clear financial targets.
• Track Your Spending: Use budgeting tools or apps to gain better insight into where your money is going each month.

Just as a clean house is thought to welcome good luck, a “cleaned-up” financial plan sets the foundation for greater prosperity.

2. Celebrate Smart: Budgeting for Festivities

Chinese New Year celebrations can be expensive, from new outfits to feasts and ang pao (red packets). While it’s tempting to go all out, financial wisdom tells us to celebrate within our means.

Here are a few tips:

• Set an Ang Pao Budget: Giving red packets to children and unmarried relatives is a joyful tradition, but it’s easy to overspend. Allocate a specific amount for each recipient and stick to it.
• DIY Decorations: Instead of buying pricey decorations, consider crafting your own. Simple lanterns, paper-cut designs, or even reusing last year’s decor can save money while keeping the festive spirit alive.
• Plan Meals Thoughtfully: Hosting reunion dinners is a highlight of Chinese New Year, but it doesn’t have to break the bank. Opt for potluck-style gatherings or incorporate more affordable dishes without compromising on flavor or symbolism.

3. Lessons from Chinese Proverbs

Chinese culture is rich with proverbs that impart timeless wisdom, many of which are relevant to managing finances. Here are a few favorites:

• “滴水成河” (Drips of water make a river)
  This reminds us that even small savings can add up over time. Start small with savings or investments — whether it’s RM100 a month or a small percentage of your salary. Consistency is the key.

• “富不过三代” (Wealth does not pass three generations)
  This serves as a cautionary tale about spending recklessly and failing to instill good financial habits in future generations. Take this to heart by teaching your children the importance of saving and financial literacy.

• “未雨绸缪” (Repair the roof before it rains)
  This proverb emphasizes the importance of preparation. Having an emergency fund is essential, particularly during uncertain times. Aim for at least 3-6 months’ worth of expenses in savings to weather unexpected challenges.

4. Planning for Prosperity: Financial Goals for the New Year

Chinese New Year is a time for setting intentions, so why not set financial resolutions too? Here are some actionable goals to consider:

• Build or Expand Your Emergency Fund: Start the year by boosting your financial safety net.
• Invest Wisely: Research low-cost index funds, unit trusts, or platforms like StashAway to grow your wealth.
• Explore Dividend Investing: If retirement is on your mind, dividend-paying stocks or REITs can provide a steady income stream.
• Review Your Insurance: Ensure you and your family have adequate coverage for health, life, and critical illness.
• Automate Your Savings: Set up automatic transfers to your savings or investment account so that saving becomes effortless.

5. A Wish for Abundance and Prosperity

As we step into the new year, let’s embrace the values of gratitude, generosity, and wisdom that Chinese New Year teaches us. While we strive to grow our financial wealth, let’s also remember that true prosperity is about balance — investing in our health, relationships, and personal growth.

May this Lunar New Year bring you joy, health, and financial abundance. Gong Xi Fa Cai!

Reflecting on 2024: One Step at a Time

As the curtains begin to close on 2024, it's natural to pause, take stock of the year gone by, and look forward to the year ahead. Each year, much like life itself, is a journey—a mix of triumphs, challenges, learning, and growth. And in that journey, one truth remains universal: every single journey begins with a single step.

Looking Back: The Power of Small Steps

When we think about progress, it’s easy to focus on the big milestones: landing a new job, buying a home, or hitting a significant financial target. But if you reflect deeply, you’ll realize that these big moments are just the culmination of countless small steps.

Perhaps this year, you:

• Took the first step toward financial literacy by budgeting your monthly expenses.
• Invested for the first time, even if it was a modest amount.
• Started learning a new skill or committed to improving your health, even if it meant taking small actions daily.

These small steps might have seemed insignificant in the moment. But over time, they add up, shaping your future in ways you might not immediately recognize. The small actions we take every day are the building blocks of our success.

Lessons From 2024: Progress Over Perfection

One of the biggest lessons we can take into the new year is this: progress always matters more than perfection. How often have we delayed starting something new, waiting for the “perfect time” or until we felt “ready”? But here’s the reality—perfection is a myth. The best time to start was always yesterday; the second-best time is today.

Let’s embrace our imperfections. Let’s celebrate every small win, even if it’s as simple as saying no to an unnecessary expense, sticking to a workout routine, or learning something new about managing your finances.

Words of Wisdom for 2025: The Journey Ahead

As we move into 2025, here are a few guiding thoughts to keep in mind:

1. "Every great achievement starts with the decision to try."
   Whether it's improving your health, finances, or relationships, the most significant progress begins with that first small step. You don't need to know every detail of the path ahead—just start.

2. "Failing to plan is planning to fail."
   Take time to set your intentions for the year ahead. This could mean creating a realistic budget, setting clear savings goals, or even outlining a personal growth plan. Remember, goals don’t have to be monumental to matter.

3. "It’s not the speed that matters, but the direction."
   Life is not a race. Focus on consistency rather than speed. Slow, steady progress often leads to more sustainable success.

4. "Gratitude makes sense of our past, brings peace for today, and creates a vision for tomorrow."
   As you reflect on 2024, think about all the things—big or small—you’re grateful for. Gratitude keeps you grounded and positive as you prepare for the challenges and opportunities of a new year.

Actionable Steps for a Fulfilling 2025

Here are some small but meaningful actions you can take to make 2025 your best year yet:

• Start tracking your finances. Even a simple monthly tracker can help you understand where your money goes and how you can save more.
• Set one non-negotiable daily habit. Whether it’s drinking more water, reading for 15 minutes, or setting aside RM5 daily, these habits add up over time.
• Commit to learning. Take a free course, read books, or follow blogs in areas you’re passionate about. Knowledge compounds just like interest.
• Pause and reflect regularly. Make it a habit to check in with yourself. Are you progressing toward your goals? What’s working, and what needs adjustment?

Final Thoughts: The Gift of New Beginnings

Every end is a new beginning. 2024 may not have been a perfect year but it was yours. It was a chapter in your story, filled with lessons, growth, and memories. As you step into 2025, remind yourself that the journey is just as important as the destination.

Remember: one small step can lead to a lifetime of change. Whether your first step is as tiny as saving RM10 or as bold as starting a new business, what matters is that you take it.

So here’s to 2025—a year of small, meaningful steps, progress over perfection, and a journey filled with purpose and joy.

Wishing you and your loved ones a Happy New Year! May this coming year bring health, happiness, and success in all your endeavors. Here's to new beginnings and brighter days ahead.

Cheers to 2025!