{"id":18238,"date":"2019-03-21T20:00:00","date_gmt":"2019-03-21T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/how-you-duit-blogger-edition-2.html"},"modified":"2026-03-27T12:59:55","modified_gmt":"2026-03-27T04:59:55","slug":"how-you-duit-blogger-edition-2","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/money-tips\/how-you-duit-blogger-edition-2.html","title":{"rendered":"How You Duit &#8211; Blogger Edition 2"},"content":{"rendered":"\n<p>&nbsp;<\/p>\n<!--more-->\n<p>This time we\u2019re going to be featuring another group of authors from famous financial blogs in Malaysia!<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/financemalaysia.blogspot.com\/\" target=\"_blank\" rel=\"noopener\">Finance Malaysia<\/a><br><\/strong>As a blogger of Finance Malaysia for several years now, it&#8217;s been an amazing journey to learn and share with fellow followers. Overwhelming responds from our followers give us the motivation to continue writing and sharing. My hands feel itchy if I didn&#8217;t post updates every day \ud83d\ude42<\/li>\n<\/ul>\n<ul>\n<li><strong>Michelle, <a href=\"https:\/\/the-money-magnet.com\/\" target=\"_blank\" rel=\"noopener\">The Money Magnet<\/a><br><\/strong>She recently left her full-time employment to be a stay-at-home mum so that she can spend more time with her toddler. When her toddler naps or sleeps, she writes on her personal finance blog at <a href=\"https:\/\/the-money-magnet.com\" rel=\"nofollow\">https:\/\/the-money-magnet.com<\/a>. She hopes that sharing on her blog will benefit her readers in terms of better financial decisions.<\/li>\n<\/ul>\n<ul>\n<li><strong><a href=\"https:\/\/kclau.com\/\" target=\"_blank\" rel=\"noopener\">KC Lau<\/a><br><\/strong>KC Lau wonders, \u201cAm I the most well-known financial blogger in Malaysia?\u201d<br><em style=\"font-size: 1.3rem;\">Maybe?<\/em><\/li>\n<\/ul>\n<ul>\n<li><strong><a href=\"https:\/\/www.lynnringgit.com\/\" target=\"_blank\" rel=\"noopener\">Lynn &amp; Ringgit<\/a><br><\/strong>Late 20&#8217;s with a heart for friends, food and writing money diaries. Likes to thrift, splurge, collect freebies and dividend slips.<\/li>\n<\/ul>\n<ul>\n<li><strong>Aaron, <a href=\"https:\/\/www.mr-stingy.com\/\" target=\"_blank\" rel=\"noopener\">Mr. Stingy<\/a><br><\/strong>He started his career in a great company in a good industry, but never saved any money. Like any typical millennial, he too had an identity crisis, and decided to quit his job to pursue bigger dreams.&nbsp; With an education debt, he had to learn to save money and be creative to pay it back.<br>He is also fortunate enough to have significant salary increases over next few years and didn&#8217;t really upgrade his lifestyle, deciding to put these into savings\/investments instead.<br>After that, he quit another good job to pursue his passion, taking a 52% pay cut, only to then quit again to try something new and novel.<br>Now that he is financially stable, he is working for financial independence while balancing everything to have a passionate, meaningful life.<br>\u201cNot easy, but important things are never easy aren&#8217;t they?\u201d <em style=\"font-size: 1.3rem;\">No, they never are.<\/em><\/li>\n<\/ul>\n<ul>\n<li><strong>Charles Tan, <a href=\"https:\/\/kopiandproperty.com\/\">Kopi And Property<\/a><br><\/strong>Charles Tan believes everyone should own at least one property so that one day when one retires, there&#8217;s no need to worry about rental. He blogs at kopiandproperty.com, sharing his experience as a working professional who&#8217;s also a property investor (slowly\u2026). His favourite car brand is Audi, but he&#8217;s currently driving a 9-year old Persona, which has served him very wel (power-window&#8217;s working just fine). He loves shopping, looking for value; his favourite food and drink is dry-curry mee and Ipoh white coffee.<\/li>\n<\/ul>\n<p><strong>Related: <a href=\"https:\/\/www.comparehero.my\/blog\/how-you-duit-blogger-edition\" target=\"_blank\" rel=\"noopener\">How You Duit Blogger Edition 1<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Curious about their financial habits and want to have a peek in their wallets? Read on!<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>How much cash do you have in your wallet right now?<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong> RM500<\/p>\n<p><strong>Michelle<\/strong>: RM205<\/p>\n<p><strong>KCLau<\/strong>: US$20<\/p>\n<p><strong>Lynn:<\/strong> RM231.05<\/p>\n<p><strong>Mr. Stingy:<\/strong> RM110<\/p>\n<p><strong>Charles<\/strong>: RM600<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>What\u2019s the best financial advice you have ever received?<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong>&nbsp; Do your own daily budgeting and starts investing as early as possible.<\/p>\n<p><strong>Michelle:<\/strong> Save early and watch the miracle of compounding interest as you grow older.<\/p>\n<p><strong>KCLau<\/strong>: You don&#8217;t have to make a lot of money to be rich.<\/p>\n<p><strong>Lynn:<\/strong> 1\/3 giving, 1\/3 investment, 1\/3 spending.<\/p>\n<p><strong>Mr. Stingy<\/strong>: Pay yourself first (save\/invest first) before you do anything with your monthly salary.<\/p>\n<p><strong>Charles:<\/strong> It&#8217;s best to start investing 20 years ago. You missed it. Second best time is now.<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>What\u2019s your most expensive purchase? That\u2019s not a property or vehicle.<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong> Overseas vacation trip because of honeymoon after married.<\/p>\n<p><strong>Michelle<\/strong>: My IVF treatments to fulfill my dream to have my baby.<\/p>\n<p><strong>KCLau<\/strong>: RM25000 baby grand piano, because I play it everyday!<\/p>\n<p><strong>Lynn:<\/strong> Mui Mui headband. It&#8217;s a headband. -.-<\/p>\n<p><strong>Mr. Stingy:<\/strong> A nice watch for my dad. Because the best way to buy happiness is to spend it on those you love.<\/p>\n<p><strong>Charles:<\/strong> My GEOX leather shoe. At nearly RM400 after a massive discount, it is still more than double what I usually pay for leather shoes. I wanted to see if it&#8217;s really that good. Yes, it&#8217;s pretty good.<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>What did you spend your very first pay on?<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong> Loan repayment.<\/p>\n<p><strong>Michelle:<\/strong> Gave some to my mum and a nice dinner for my family.<\/p>\n<p><strong>KCLau<\/strong>: A digital 88-key keyboard.<\/p>\n<p><strong>Lynn<\/strong>: I don&#8217;t remember. Give me a time machine and I&#8217;ll show you. <em>We\u2019ll try!<\/em><\/p>\n<p><strong>Mr. Stingy:<\/strong> Belanja friends and family.<\/p>\n<p><strong>Charles<\/strong>: That&#8217;s 20 years ago. I bought a pair of Camel leather shoe.<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>Are you more of a spender or saver? Why?<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong> Saver. Because of personal financial security feeling.<\/p>\n<p><strong>Michelle<\/strong>: I used to be a saver, but since I have my baby, I am slowly becoming a spender. I think I need to revert myself to a saver again!<\/p>\n<p><strong>KCLau:<\/strong> I try to strike a balance. I only spend on what I need and want, but not on luxury.<\/p>\n<p><strong>Lynn:<\/strong> In between. I am an emotional spender and saver.<\/p>\n<p><strong>Mr. Stingy:<\/strong> Naturally a spender. Took on this Mr-Stingy alter ego and ended up a saver. Because one day I did some calculations and discovered I was in a really bad financial situation. Saving saved my life.<\/p>\n<p><strong>Charles<\/strong>: I love to shop, and I have over 25 pairs of leather shoes. However, I think I am a saver as I seldom buy anything without discounts.<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>Which do you prefer using &#8211; cash or card? Why?<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong> Card. Convenient and safer from robbery after cash withdrawal from bank.<\/p>\n<p><strong>Michelle<\/strong>: Card whenever possible. It is quick, convenient and I can better track my spending.<\/p>\n<p><strong>KCLau:<\/strong> Card &#8211; points, rebate, air miles and tracking.<\/p>\n<p><strong>Lynn<\/strong>: Cards! I like to max up the perks of a card.<\/p>\n<p><strong>Mr. Stingy:<\/strong> Credit card if at all possible. For the cashback and points.<\/p>\n<p><strong>Charles:<\/strong> CARD. Flexibility, Points and Prestige.<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>Do you own a property?<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia<\/strong>: Yes.<\/p>\n<p><strong>Michelle:<\/strong> No.<\/p>\n<p><strong>KCLau<\/strong>: Yes.<\/p>\n<p><strong>Lynn<\/strong>: No.<\/p>\n<p><strong>Mr. Stingy<\/strong>: Yes.<\/p>\n<p><strong>Charles<\/strong>: Yes.<\/p>\n<h2 style=\"text-align: left;\"><strong><span style=\"color: #3366ff;\">Tell us how you made your biggest financial mistake!&nbsp;<\/span><\/strong><\/h2>\n<p><strong>Finance Malaysia:<\/strong> Listening to stocks tips given by friends.<\/p>\n<p><strong>Michelle<\/strong>: I should have learned to be willing to take more risk by investing more in my younger years.<\/p>\n<p><strong>KCLau:<\/strong> Invest without due diligence. Every time when I lose money, it is always in the situation that I cannot control, e.g. business partnerships that I don&#8217;t run the show, exotic investment schemes.<\/p>\n<p><strong>Lynn:<\/strong> I surveyed everything about buying a gadget, and the shop offered a good price. But the sales person pushes me to a different model with different parts, which I did not do the price check, end up I paid much more than online price.<\/p>\n<p><strong>Mr. Stingy<\/strong>: First two years of work. Didn&#8217;t have any significant savings even though I was earning okay. All because I said, &#8220;I&#8217;ll save at the end of the month what&#8217;s left over.&#8221; Of course, there was never anything left over.<\/p>\n<p><strong>Charles:<\/strong> Bought one particular stock which someone recommended. Spent 5-figure. Lost it all when stock got delisted.<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>Can you describe your recent impulsive purchase?<\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong> Impulsive action from me.<\/p>\n<p><strong>Michelle:<\/strong> Two beautiful dresses (of almost the same design) at one go because I just love how comfortable they made me feel!<\/p>\n<p><strong>KCLau:<\/strong> I seldom have impulsive purchase&#8230; I try to buy the things that I need to use only. The most recent bigger-than-usual-purchase was renting a Chevrolet Camaro for my upcoming Phoenix trip.<\/p>\n<p><strong>Lynn:<\/strong> I saw someone holding a beautiful Issey Miyaki Bao Bao. Next thing I know, I woke up with the bag.<\/p>\n<p><strong>Mr. Stingy:<\/strong> Something really small, like an Aunt Anne&#8217;s pretzel. (Other than food, I don&#8217;t do impulsive purchases.)<\/p>\n<p><strong>Charles:<\/strong> Three new long sleeve shirts. It was on offer and was like buying three for the price of one.<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #3366ff;\"><strong>Do you have a PRS (Private Retirement Scheme)? <\/strong><\/span><\/h2>\n<p><strong>Finance Malaysia:<\/strong> Yes.<\/p>\n<p><strong>Michelle:<\/strong> Yes.<\/p>\n<p><strong>KCLau:<\/strong> Yes.<\/p>\n<p><strong>Lynn:<\/strong> Yes.<\/p>\n<p><strong>Mr. Stingy:<\/strong> Yes.<\/p>\n<p><strong>Charles:<\/strong> Yes.<\/p>\n<p>&nbsp;<\/p>\n<p><em>How You Duit? is a recurring feature on CompareHero.my\u2019s blog, where we ask 10 questions on personal finance habits and dive into the wallets of our fellow Malaysians.<\/em><\/p>\n<p><strong>If you haven&#8217;t read the first part of this series, check out our&nbsp;<a href=\"https:\/\/www.comparehero.my\/blog\/how-you-duit-blogger-edition\" target=\"_blank\" rel=\"noopener\">How You Duit Blogger Edition 1<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp;<\/p>\n","protected":false},"author":268230141,"featured_media":60299,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[425],"tags":[],"class_list":["post-18238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How You Duit - Blogger Edition 2 - CompareHero<\/title>\n<meta name=\"description\" content=\"This time we\u2019re going to be featuring another group of authors from famous financial blogs in Malaysia!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparehero.my\/blog\/money-tips\/how-you-duit-blogger-edition-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How You Duit - Blogger Edition 2 - CompareHero\" \/>\n<meta property=\"og:description\" content=\"This time we\u2019re going to be featuring another group of authors from famous financial blogs in Malaysia!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.comparehero.my\/blog\/money-tips\/how-you-duit-blogger-edition-2.html\" \/>\n<meta property=\"og:site_name\" content=\"CompareHero\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CompareHero.my\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-21T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-27T04:59:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-29.png?fit=1024%2C768&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"CompareHero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CompareHero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/how-you-duit-blogger-edition-2.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/how-you-duit-blogger-edition-2.html\"},\"author\":{\"name\":\"CompareHero\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\"},\"headline\":\"How You Duit &#8211; 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