BRinggit Up

  Good day Guys! Hope you're doing well. Today I would like to talk about one of the popular Robo-advisor in Malaysia, Wahed Invest. Firstly, for those looking for referral code for singing up to earn bonus, my Wahed Invest referral code is ' devvij1 '.  I'm sure some of you are asking " what the hell is a Robo-advisor?". According to Wikipedia; " Robo-advisors or robo-advisers are a class of financial adviser that provide financial advice or investment management online with moderate to minimal human intervention. They provide digital financial advice based on mathematical rules or algorithms ." It's basically like buying a hamper from the supermarket. You get different items (portfolio) when you pay for the hamper, in hopes of getting a collection of good products (returns).  As I like to keep things as simple as possible, the way I understand this is that Robo-advisors are basically similar to Unit Trust whereby you invest money this app and b...

Good day guys. I've been using BigPay for more than a year now and have been decently happy with it's service. Firstly, if you're here just to get the free RM 10 for signing up, use code ' N8KIJ5DJ7R ' when you sign up  after downloading the app from Google Play or Apple App store.  BigPay is basically a Prepaid Mastercard by AirAsia which acts like a normal credit card. This card is extremely useful for people who want to carry out online purchases such as online shopping, hotel bookings and flight bookings, but do not want to commit to a credit card or not wanting to expose your credit card details. The good thing about this card is that you will not be overcharged for anything as you can top up the exact amount needed for purchase.  I use this card  for all my transactions online. You can easily add funds to this card via the app by using credit cards, online bank transfer or cash top up at  7-eleven. I personally top up my BigPay card using my CIMB cash...

 Hello and welcome to my blog! So I've decided to write this blog to share with you my journey towards financial independence in Malaysia.  I currently work in an 8 to 5 job with fixed pay and was doing well in the first few years, living with my parents. However, after 2 years, I decided to move out and then had to face the reality of multiple financial responsibilities such as rent, food and bills... In order to supplement my income, I've tried various part time job which  did help, but I've realised that once I stop working, the money stops coming in.  As a result of that, I've been trying various methods, investments and lifestyle changes in my goal towards being financially independent i.e. not having to worry about money anymore. BRinggit Up is a way for me to document my journey on how I'm still trying to be financially independent and not rely in my salary to live a comfortable and debt free lifestyle.  I'm hoping to be financially independent within 10 ...