In April 2014, I wrote about how my credit card was charged for something that I did not even consent to (Dispute in Credit Card Transaction). I did not receive any phone call or letter. I just happened to go trough my credit card transactions (I go through it 2 to 3 times a week) and a suspicious transaction of RM 599 by TOWER LIFESTYLE.

Fortunately, the nice people at Kementerian Perdagangan Dalam Negeri, Koperasi dan Kepenggunaan (KPDNKK), Bank Negara Malaysia (BNM) and Maybank manage to get my money back within 2 weeks. Maybank even waived the fees for my credit card replacement. Kudos to the staff!



Recently I received another a call another SCAMMER. I was conned once by this company and I thought that was the end of it. This time around I am more prepared.

This was one of the biggest piece of news on 8th September 2014;

Household Incomes on The Rise
Survey finds average household income surpassing RM 5,900 a month

At first glance, I saw;

AVERAGE household income of RM 5,900 

A few glances later;

Average HOUSEHOLD INCOME of RM 5,900

You see, I highlighted the wrong thing. I got myself wrong. My definition was all screwed up! I thought it meant PER CAPITA income. I screwed myself up until my lecturer and some friends pointed out to me. You see, my financial knowledge isn't so good. I am financially illiterate, albeit not as bad as I was 4 years ago. A perfect reason to launch this blog. Not to say I KNOW IT ALL but just to share my journey through financial literacy....step by step.