http://forum.lowyat.net/ Wed, 24 Jun 2026 09:24:06 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/5341258 Hi all, just want to ask opinion regarding my financial advice since most of news nowdays regarding bad economy and recession next year.<br /><br />Actually I just got decent job with decent salary starting this month. To be truth my financial together with my wife just ngam2 every month since 2019. I would say no saving at all since very cukup2 makan and if got extra also around 200-300 per month but usually we use the extra saving for car service/repair so that we can commute to work easily. 2020 covid happen and we did not get chance to try jump/apply job for better salary.<br /><br />Now I already got quite decent salary compared to before now at borderline b40 - m40 category(but living at KV area this category quite invalid). Our expenses still the same like before just we now got some extra money monthly starting this month.<br /><br />My question are ;<br /><br />1) Is it too late to start saving from zero even though we almost reached 30-series? I feel like left behind with more younger generation than me.<br />2) Can we survive next year bad economy or back to ckup2 makan like before?<br />3) Should I apply for any part time job on weekend? zAlyN Serious Kopitiam Thu, 22 Dec 2022 15:42:53 +0800 http://forum.lowyat.net/topic/4898020 <br />Dear all, my company give RM100 for claiming telco use/month. Which postpaid telco do you prefer maxisone plan (RM98/month - 30GB) or Celcom Gold (RM80/month - 20GB)? My criteria :<br /><br />-I travel a lot around including sabah and sarawak so speed and coverage are important<br />-Most of the time in main city - occasionally rural area.<br />-Work inside building prefer telco that have good coverage inside building<br />-If need to topup a bit above RM100 also can as long as the quality speed and coverage is good <br /><br />Currently using Hotlink Red Pass (RM60/month - 10GB-unlimited social) and the usage data per month around 80-90% before finish depends on my frequent outstation. So far the speed and coverage are good for me. Average speed I can get around 10-20mbps for hotlink. If use main maxis(should be the same as hotlink?) or celcom postpaid can get around that speed or better?<br /><br />Thank you. zAlyN Telco Talk Wed, 29 Jan 2020 08:57:11 +0800