Things I use

For Investment and Living

Investment

Local Bank Brokerage

RM8

One direct CDS account with 1% cash interest 

RAKUTEn trade

RM7-10

Easiest way to invest in US ETF in Malaysia 

EToRo

Zero

Free trading, portfolio copying, credit card cash-in
However, ETF is now CFD product in EToro

Luno

To the moon

For Crypto which I barely buy

Public Mutual

0.0

Retirement tax relief with PRS Fund

EWallets

BigPay

Spot rate

Travel and online transaction safety

TNG

Random vouchers

Mainly for Go+ Money Market Fund

GrabPay

1.5%

Because I order a lot of takeaways

Brands I love

Ninso | ECoSHOP

RM2.40

The dollar shop to get most household items. I don't go Mr DIY, but I'll make sure I don't buy things that I can get for RM1 outside. 

UNIQLO | MuJI

RMxxx

Lockdown new friend. Not sure if it actually reduce or increase my expenses. 

Digital / Gadgets

Spending App

RM15.90

Expenses tracking 

ScribD

USD 47.90/yr

Books buffet 

blinklist

~free

Book summary while driving. Got a "free' account from friend.

APPLE

xxx

MacBook, Iphone, Ipad. Seriously, you won't regret with Apple.