I realised that it wasn’t exactly easy to find the list of products or services I am currently using, or simply recommending them. Some of you have been kind enough to text / email me privately / leaving comments to ask for the referral codes – which I truly appreciate (although not my primary objective to start the blog!) so I have decided to compile them.
Here’s a list of products or services which I am currently using, or are recommending. Some may contain affiliated link (marked with *) where I may earn small commissions/benefits from successful referrals; and some do not – and are purely a recommendation from my side. Some products or services also has referral benefits for both parties.
I will always be transparent and declare exactly what I stand to gain where contractually allowed. Otherwise I may mask the actual numbers but will still declare it, anyway.
One of the best money app in Malaysia, providing you with a prepaid card accepted by most (if not all) merchants, with unbeatable exchange rate (spot rate). Definitely a must-have for my travelling needs or purchases in foreign currencies!* sign up with my code below and we will both get RM10 upon successful registrationInfo
Investing / Brokerage House (Malaysia)
HLeBroking (Direct CDS)
Cash Upfront Account "Value Trade" with minimum Trading Fees of RM8.48 or 0.106% flat of contract value (whichever is higher)Sign Up
Rakuten Trade (Nominee CDS)
"Cash Upfront" Account with minimum Trading Fees starting from RM7 (trades below RM1k) / RM9 (trades between 1k - RM10k) / 0.1% flat of contract value (trades between 10k - RM100k) / RM100 (trades above RM100k)Sign Up
Investing / Brokerage House (International)
TradeStation Global (Interactive Brokers)
My one-stop-shop for my international buy-and-hold investments across various markets - US, London, Hong Kong, Singapore, ...
* I might get some rebates on commissions upon successful referral with approved accounts - still in discussion with TSG and not finalised!
p/s Don't forget to mention 'RinggitFreedom.com' in the registration form ("Where did you here about us?") during your sign up!Sign Up*Tutorial
You Need A Budget*
You Need A Budget. No, seriously! Stop living paycheck-to-paycheck, get out of debt, and save more money. I've been using this application since the era of YNAB4 and it really helped me with the money-jar zero-based budgeting system.
Use my referral link for free 1-month trial! (p/s usually extendable up to 2 months by messaging Support)
* I will get 1-month subscription for new successful subscribersSign Up*
For all-in-one hosting needs. I'm still using their AWS Free Tier for my self-hosted WordPress, but plans to move over once the Free Tier expires which'll cost me either $3.5/month or $5/month.
WARNING: Technical know-how requiredInfo
My favourite go-to (online) bookstore with free delivery to Malaysia. Plus, books there are always on sales! Do take note on the pricing tho - as the discount may fluctuate on different days.Store
Again, referral benefits isn’t my main objective hence you’ll see quite a number of these recommendation do not come with affiliated links (or I’m just lazy :P)
For those that have signed up using my affiliated links – I can’t thank you enough, and I sincerely appreciated it!