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Do you buy stuff online?

  • Getting new shoes — Zalora
  • Ordering food delivery — Food Panda

You can buy almost anything on your phone while sitting in your living room. It truly is a great time to be alive! But it gets better. With ShopBack, you can earn cashback every time you buy stuff online.

Who doesn’t want to save more money? Let’s start with explaining what is this thing called ShopBack:

What is ShopBack?

ShopBack is an online cashback company that gives you a small percentage of your money back every time you make an online…


This article will show how you can transfer money back to Indonesia from overseas as fast & as cheap as possible using the Wise app.

In the following example, I will be using MYR to IDR. But if you’re sending back money to Indonesia from other currencies, the process of using the Wise app/website will be identical, except for changing the sender’s currency.

The Best Way to Transfer Money to Indonesia

I have found that Wise is the cheapest and fastest way to transfer money to Indonesia.

Let’s compare with other money transfer methods:


I’ve installed a smart lock on the front door of my newly renovated apartment and I’ve been quite happy ever since.

A Door Smart Lock is a digital technology that can replace your traditional key with an RFID tag, passcode, or smartphone app.

When I was shopping around for one, I wasn’t happy with the information available online. Nobody explained and convinced me enough to buy one.

So I got one within my budget, and I’ll be sharing how the Smart Lock works, together with its pros and cons from an actual owner.

Why Did I Install a Smart Door Lock?

The truth is, nobody needs a Smart…


So you’ve got a better job offer or had enough at your current workplace that you want to call it quits.

Whatever your reason, changing jobs is normal, and it’s important to leave your job on good terms as you never know who you’ll cross paths with in the future.

I have personally been laid off and voluntarily resigned multiple times in my career. But, looking back, some parts could’ve been handled more tactfully.

In this article, I will share with you how to resign nicely & how to write a short resignation letter so you can quit without burning…


I started blogging consistently during the 2020 COVID lockdown. My Airbnb business collapsed and had nothing to do. With nothing to lose but my time, I decided to make money from my blog & document my journey.

Blogging as a business is not as easy as I thought and requires a proven plan and rock-solid discipline.

After 1 year of blogging, in July 2021, I am happy to announce that this blog is earning $120 a month on average in 2021.

I’ve picked up so many new skills from blogging: SEO writing, editing images, and shooting & editing videos…


I’m using the Maybank 2 Platinum credit cards and I pay off my bills in full each month. Because of that, I am not charged any interest, yet I am reaping all the credit card benefits. Pretty sweet deal.

So if you’re looking to get a new credit card, especially as your first one, I will be sharing my thoughts on:

  • How to use a credit card to build your credit score
  • How to earn cashback every month
  • How to weed out gimmicky credit cards & pick out a winner

Knowing your credit score is important to see how good you are in the eyes of a credit lender. In this article, I’ll explain what is a credit score report, why you should care in the first place and how you can get them online for free.

I’ve requested for my credit score reports from CCRIS & CTOS, and in this article, I will share with you my experience:

What is a Credit Score Report & Why Should You Care?

A credit score report shows how good you are at paying back all of your loans & bills on time. When you want to apply for a loan or credit somewhere…


Do you think that you’re paying too much for your mobile phone plan? I am currently paying around RM 68 (no contract) a month for my Digi postpaid, which I think is too much, considering:

  • I’m already paying for 30 Mbps home broadband @ RM89 a month.
  • I rarely commute or travel anymore.

So I’ve been shopping around for cheaper plans to downgrade my mobile data package and In this article, I’ve compiled all my findings for the cheapest mobile phone plans in…


In this article, I will be sharing my experience selling a car through Carsome.my, an alternative way to sell your car online. The whole process was frictionless, where:

  • We don’t have to deal with time-wasting buyers.
  • We don’t have to deal with getting our car inspected at PUSPAKOM.
  • Got paid within 2 days of Carsome car inspection.

A little backstory: The owner of the car is expecting his 3rd child. A 3-row MPV for his expanding family is in order. …


You need a household income of about RM 12k to live comfortably in Kuala Lumpur, Malaysia without children.

How did I come up with this number? Let me explain:

  1. I created my own budget as a newly-wed couple living in Kuala Lumpur.

Disclaimer: This article & video is not financial advice. My calculations are very rough estimates and is intended for general knowledge. Please consult a real financial planner/advisor.

My Definition of a ‘Comfortable’ Life:

Helmi

Hi, I’m Helmi Hasan. I am the founder and writer for the personal finance blog: www.balkonihijau.com.

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