With rising costs of living, economic uncertainties, and increasing financial options, Malaysians are looking for trustworthy resources to guide them through saving, investing, and planning for the future.
Fortunately, a growing community of local bloggers is making personal finance more accessible and relatable by sharing insights, strategies, and personal experiences tailored to the Malaysian context.
Here’s a list of the Top 10 Personal Finance Blogs in Malaysia that inspired me to pursue financial independence:
Personal Finance Blog #1: Ringgit Oh Ringgit (Suraya Zainudin)
Suraya is the founder of Ringgit Oh Ringgit, a personal finance blog where she shares tips on earning, saving, and investing while maintaining a good quality of life. She is a writer, speaker, and digital marketer with expertise in financial literacy, minimalism, and frugal living, having collaborated with major brands like Luno, VISA, and Bursa Malaysia.
She has passed all four modules of the Certified Financial Planning (CFP) course (though she is not a licensed financial planner) and conducts money management workshops to promote financial awareness.
Budgeting and Saving: Practical tips for managing day-to-day finances and budgeting strategies.
Investing Basics: Accessible guides on stocks, ETFs, cryptocurrencies, and alternative investments.
Product Comparisons: In-depth reviews of finance products, from e-wallets to investment platforms.
Transparency: Suraya often shares her personal experiences, adding authenticity to her advice.
Frugality and Side Hustles: Offers creative ways to save money and earn extra income on the side.
Check out 3 of these interesting articles from ringgitohringgit:
- Ultimate Comparison Between 8 Robo Advisor in Malaysia
- I Made Over RM23,000 in Affiliate Income: My Involve Asia Review
- 8 Things to Buy for a GREAT Financial Life in 2025
Personal Finance Blog #2: Mr-Stingy (Aaron Tang)
Aaron Tang is the founder of mr-stingy, a personal finance blog focused on optimizing time, money, and energy to maximize life’s meaningful experiences. With a background in engineering and experience across various industries, including Malaysia’s largest cryptocurrency exchange, he shares practical insights on financial efficiency and intentional living.
His philosophy emphasizes being “stingy” with unnecessary expenses to prioritize what truly matters—family, passions, and long-term goals.
Minimalist Approach: Emphasis on mindful spending and prioritizing values over consumerism.
Life and Career Tips: Balances financial advice with career guidance and personal growth topics.
Relationship Finance: Unique content addressing finances within relationships and marriages.
Financial Independence Focus: Provides insights on reaching financial freedom through intentional living.
Reflective Writing Style: Engaging, thought-provoking articles that go beyond typical finance tips.
Check out 3 of these interesting articles from mr-stingy:
- The 5 Levels of Wealth — How To Know You’re Rich
- Seven Things I Learned From the Financial Independence, Retire Early (FIRE) Movement
- This Is the First 10 Years of Your Career
Personal Finance Blog #3: No Money Lah (Yi Xuan)
Yi Xuan is the founder of No Money Lah, a personal finance and lifestyle blog focused on investing, trading, and financial independence. Passionate about dividend investing, he shares insights on building passive income through his Freedom Fund while documenting his journey to becoming a full-time trader.
With a background in economics and experience in the insurance tech industry, he writes about personal finance, investment strategies, and the mindset needed for long-term financial success.
Money and Mental Health: Focuses on the connection between financial well-being and mental health.
Side Hustles and Freelancing: Practical advice for freelancers and side hustlers.
Creative Approach to Finance: Discusses personal finance with an accessible and relatable writing style.
Budgeting and Financial Planning: Shares personal experiences and advice on budgeting and planning.
Investment Basics: Introduces young adults to investing with approachable guides and real-life examples.
Check out 3 of these interesting articles from nomoneylah:
- The Freedom Fund – My Dividend Income Portfolio
- All You Need to Know about Dividend Withholding Tax for Malaysians (stocks & ETFs)
- My 3-Year Experience with a Licensed Financial Planner: Helpful or not?
Personal Finance Blog #4: Ringgit Freedom (Gracie)
Gracie is the founder of Ringgit Freedom, a personal finance blog documenting her journey toward financial independence (FI/RE) while balancing saving, investing, and enjoying life. With a goal of achieving Lean FIRE by 2027 and FAT FIRE beyond, she shares insights on saving strategies, investing, and lessons from past financial mistakes.
Through her blog, she hopes to inspire fellow Malaysians to take charge of their financial future and create their own version of financial freedom.
Early Financial Freedom: Focuses on achieving financial independence early through disciplined investing.
Frugal Living Tips: Offers advice on reducing expenses and living below one’s means.
Personal Finance Journey: Provides a transparent view of the blogger’s own financial progress and challenges.
Practical Advice: Real-life examples and actionable steps for budgeting and saving.
Check out 3 of these interesting articles from ringgitfreedom:
- Guide to Migrating to Australia for Skilled Malaysian Professionals
- The True Cost of Owning Property in Malaysia
- Ringgit Freedom’s September 2024 Updates
Personal Finance Blog #5: The Black Belt Millionaire
A former professional fighter turned office worker, he is now on a mission to achieve financial freedom by investing wisely and living frugally. After years of overspending, he shifted his focus from chasing money to making money work for him, building a diverse portfolio including mutual funds, property, gold, stocks, private equity, and P2P financing.
Through his journey, he hopes to inspire others to take control of their finances and work toward their own financial freedom.
Wealth-Building Strategies: Focuses on creating wealth through diversified income streams.
Personal Development: Blends financial advice with personal growth strategies for a holistic approach.
Mindset Shifts: Encourages readers to adopt a success-oriented mindset in their financial journey.
In-Depth Guides: Detailed articles on investment options, property buying, and debt management.
Unique Perspective: Inspired by the discipline of martial arts, adding a distinct approach to finance.
Check out 3 of these interesting articles from blackbeltmillionaire:
- Investing in Yourself: The Best ROI You’ll Ever Get (2025)
- The Cost of Convenience: Are You Paying Too Much for a Comfortable Life?
- Why Learning to Say “No” Can Save You Money
Personal Finance Blog #6: Elizabeth Tai
Elizabeth Tai is a writer and tech enthusiast who shares insights on personal finance, technology, and career growththrough her blog and newsletter. With nearly 20 years of blogging experience, she documents her journey of learning in public, covering topics like financial independence, frugal living, and investing.
Based in Kuala Lumpur, she embraces a simple and intentional lifestyle, focusing on what truly matters.
Creative Perspective on Finance: Insights on managing finances as a creative professional.
Budgeting and Adulting Tips: Practical advice on budgeting, side hustles, and navigating adult life.
Mental Health and Money: Focuses on balancing financial goals with mental well-being.
Personal Stories: Relatable anecdotes about real-life financial challenges and wins.
Freelancing Tips: Guidance for freelancers and gig economy workers on managing irregular income.
Check out 3 of these interesting articles from elizabeth-tai:
- The circle of competence and our information diet
- The role of privilege in personal finances
- How to prepare your finances for a career change
Personal Finance Blog #7: Marcus Keong
Marcus is a Malaysian software engineer who writes about personal finance, investing, and self-improvement based on his life experiences. His financial goal is to retire by 50, focusing on financial stability and healthy living to achieve long-term independence.
While his blog started as a way to earn side income, it has evolved into a personal journal where he shares lessons for his younger self and future generations.
Investment Strategies: Covers stock investing with a focus on Malaysian and global markets.
Long-Term Wealth Building: Advocates for a disciplined, long-term approach to wealth.
Focus on Financial Literacy: Emphasis on understanding and building wealth sustainably.
Check out 3 of these interesting articles from marcuskeong:
- My Reason to Invest: Financial Independence by 50
- One Important Thing in Life Which Money Can Buy
- 5 Practical Ways to Diversify Our Income Sources
Personal Finance Blog #8: The Money Magnet (Michelle)
Michelle Liew, the founder of The Money Magnet, shares personal finance insights and investment experiences from her life as a Malaysian mother. Her blog covers budgeting, investing in robo-advisors, crypto, gold, and retirement planning, helping readers make smarter financial decisions.
She aims to minimize learning costs, offer referral benefits, and provide real investment insights to help others navigate their financial journey.
Family-Oriented Finance Tips: Financial advice for managing household expenses and family savings.
Practical Saving Advice: Tips on saving money, reducing bills, and planning for emergencies.
Simple and Relatable Writing: Accessible for readers at any level, especially beginners.
Personal Growth Stories: Shares personal experiences that inspire readers to improve their finances.
Check out 3 of these interesting articles from the-money-magnet:
- Why Invest in Bitcoin? (5 reasons)
- How to do Your Own Crypto Research?
- 5 Benefits of Investing in Robo-Advisors
Personal Finance Blog #9: Dividend Magic (Leigh)
Leigh, the author of Dividend Magic, is a Malaysian investor focused on financial independence through a diversified portfolio of Malaysian stocks, US stocks, crypto, P2P lending, and real estate. He shares his transparent investment journey from RM10,000 to over RM500,000, emphasizing long-term growth, dividend investing, and FI/RE(Financial Independence, Retire Early).
Through his blog, he provides free investing resources to help Malaysians navigate the financial world without falling for overpriced courses or bad advice.
Dividend-Focused Investing: Detailed insights into building a dividend portfolio for passive income.
Transparency in Investments: Shares regular updates on personal portfolio performance.
Educational Value: Explains complex investment concepts in easy-to-understand terms.
Malaysian Market Insight: Tailored advice for Malaysian investors interested in dividend stocks.
Financial Independence Journey: Chronicling the pursuit of financial freedom through dividend investing.
Check out 3 of these interesting articles from dividendmagic:
- Is the First RM100K the Hardest?
- FI/RE Guide – Financial Independence Retire Early for Malaysians
- The 7 Stages of Financial Independence
Personal Finance Blog #10: Ringgit on Fire
Ringgit On Fire is a personal finance blog by a Malaysian who started with a modest salary and spent nearly two decades learning how to build wealth, shift from a scarcity mindset, and invest wisely. The blog emphasizes financial independence through saving, investing, and multiple income streams while rejecting materialistic pressures.
It serves as a resource for Malaysians looking to achieve financial security and freedom on their own terms.
Frugality and Lifestyle Finance: Focus on living below one’s means and finding frugal hacks.
Achieving Financial Independence: Shares steps toward financial independence with local relevance.
Simple Investing Guides: Offers beginner-friendly advice on stocks, REITs, and dividend investing.
Relatable Personal Stories: Authentic experiences that make financial goals feel achievable.
Actionable Tips: Emphasis on practical steps for reducing expenses and building wealth gradually.
Check out 3 of these interesting articles from ringgitonfire:
- How I’m Managing My Money While On Sabbatical
- My Honest Review of StashAway Malaysia: How I’m Doing Almost 3 Years Later
- The Power of Financial Independence
Have you started your personal finance journey? I’d love to hear about your experiences and any questions you may have!
If you’re interested to read on, check out 3 of my articles:
- WorldCoin in Malaysia: Claim Free Money for Verifying your Identity
- How I Make Money with User Testing
- 7 Simple Steps to Achieve Financial Freedom
Drop a comment below to share your thoughts, or feel free to reach out directly to me via email [email protected]
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