Financial Pitfalls: Key Decisions to Avoid for a Secure Future

Hello Grasshoppa, In the complex world of personal finance, making the right decisions is crucial for long-term financial security. Unfortunately, certain common pitfalls can undermine even the best-laid financial plans. In this article, we’ll explore some critical financial decisions to avoid, helping you navigate the path to a more secure financial future. 1. Neglecting Emergency […]

Exploring New Horizons, Cultures, and BJJ Adventures

Hello Grasshoppa, One of my life goals is to travel the world and explore new countries. In 2023, I managed to visit two new countries, a departure from my usual travel routine of returning to Thailand annually for my comfort zone trip. Despite revisiting Thailand in 2023, I made a personal commitment to explore countries […]

2023 In Review & Aspirations For 2024

Hello Grasshoppa, 2023 has passed, and now we find ourselves at the beginning of 2024, where many of us are setting our New Year resolutions. It’s always good to have resolutions, but sticking to them is more important to ensure we can achieve what we’ve planned. There’s something I often share with my loved ones […]

9 Reasons Why You Can’t Save Money

Hello Grasshoppa, Most of our parents and schools teach us about saving from a young age. How many of us manage to build these habits from childhood into our adult lives? I remember having my savings jar, “tabung,” but it was always empty. In fact, my saving habits improved as I approached my late twenties […]

Why I Prefer Online Shopping Over In-Store Purchases

Hello Grasshoppa, As I examine my recent shopping patterns, I’ve noticed a gradual shift from in-store shopping to online shopping over the years. I can’t recall my last local in-store purchase because, for local shopping, I have completely transitioned to online channels. I only resort to in-store purchases when I’m traveling. When I began to […]

8 Questions To Ask Yourself Before You Making A Purchase

Hello Grasshoppa, Many of us have a threshold for items we consider purchasing, whether they cost as little as RM100 or as much as RM100,000 for substantial investments like cars or houses. Typically, my minimum reconsideration threshold starts as low as RM100, and I grant myself up to 24 hours to contemplate the purchase. The […]

Quantifying Your Financial Goals Using The SMART Financial Goals

Hello Grasshoppa, Most of us have a financial plan that we use as a guideline for our financial goals. Some can be as detailed as quantifying the actual numbers & some can just be as simple as wanting to live comfortably. Both can be good or bad depending on how one looks at his/her financial […]

How To Live A Rich Life With Your Current Income

Hello Grasshoppa, There are many ways for us to define how rich we or other individuals are. The most significant way of defining rich people is by how they dress or what car they drive. Maybe some of them are truly rich, but some actually put themselves in debt just to impress others who don’t […]

How To Start A Side Hustle Successfully

Hello Grasshoppa, In my years of trying different side hustles, I have been successful at some & failed most of them. Failing is not really a bad thing as I am able to learn from my mistakes & move on to my next side hustle & make it better. Before I started my BBM blog, […]

What I Wish I Knew About Money Growing Up

Hello Grasshoppa, Recently, I have asked myself, what should I know about money as I was growing up? I did not learn anything about money management until I started my reading habits after I was desperate to find ways to escape from my financial debts. Growing up, my mum only mentioned to me that, I […]