Author
Ameerul Zakiy is a freelance programmer based in Kuala Lumpur and the founder of BijakDaily. Ameerul writes practical guides to budgeting, saving and cutting everyday costs.
11 stories
Fake bank calls, parcel texts, "guaranteed" investments and job scams: the four warning signs they share, how to protect yourself, and what to do fast if it happens.
Interest-free days, the minimum payment trap and cash advances, explained with a worked example, plus a step-by-step way out if you already carry a…
Splitting a price into instalments makes it feel smaller. How BNPL works, what it really costs, and five questions to ask before you use it.
A five-step check of your statements, app stores and inbox to find forgotten subscriptions, and how to cancel them properly.
Most Malaysian homes now pay about 44.43 sen per kWh. Here is what smart bulbs really save at that rate, including the standby power nobody mentions.
Saving money can feel difficult when your income is limited. After paying for rent, food, transportation, bills and other necessities, there may not…
Getting paid once a month can feel great on payday and completely different three weeks later. The first few days are usually easy. Bills are paid,…
You don’t need a complicated spreadsheet to understand where your money goes. In fact, if tracking your expenses feels like another full-time job…
The small, everyday spending that slips past you, how to find it in 30 days, and how to cut what you don’t value while keeping what you do.
