What people say after attending
These are the experiences participants shared after completing Tenang Ledger programmes. They describe what the sessions covered, what they found useful and what they took away — in their own words, not ours.
Back to HomeWhat participants shared with us
Farah Hani
Petaling Jaya · Recent graduate
I started my first job three months before the course and had no idea what half the deductions on my payslip were. The first session alone sorted that out. By the end I had a basic budget set up and a rough idea of how to compare savings accounts — which sounds simple but I had never actually done it.
Money Basics · July 2025Razif Zulkifli
Shah Alam · Logistics executive
I wanted a car and had no clear idea how hire-purchase actually worked. Session two covered it well — the facilitator was patient with questions about different tenure options. The checklist I took away was handy when I went to the showroom a few weeks later. The discussion board between sessions was useful too, though it took me a couple of days to catch up after the second session.
Money Basics · July 2025Norzailah Kamarudin
Seremban · Parent of two
My husband and I attended the family workshop. We had been putting off planning for our children's university costs because it felt too far away and too vague. The workshop gave us a structured way to break it down — by the end of Saturday we had actual numbers in the spreadsheet, which made it feel manageable instead of overwhelming. The personalised notes in the follow-up email were a thoughtful touch.
Family Planning · August 2025Tan Wei Liang
Kuala Lumpur · HR Manager
We ran the Workplace Series across two of our departments — around 35 staff in total. The HR report at the end was exactly what we needed to document the programme internally. The recorded sessions were used by four or five people who missed individual weeks. Nothing felt like it was being sold to the staff, which matters — our employees noticed and appreciated it.
Workplace Series · June 2025Suki Loh
Subang Jaya · Fresh graduate
Solid, practical course. The section on recognising scam patterns was more detailed than I expected — it covered a few formats I had not seen before. My one observation is that the budgeting app section could go slightly deeper, but I understand there is only so much you can cover in 90 minutes. The starter kit PDF is something I have referred back to twice already.
Money Basics · July 2025Ariff Mukhtar
Kuala Lumpur · Parent
What I appreciated most was that the facilitator was direct about the limits of what the workshop covers. When one participant asked for a specific bank recommendation, she explained clearly that they do not do that — but she showed us the questions to ask the bank ourselves. That distinction is important and the family workshop handles it well.
Family Planning · August 2025Participant journeys in detail
Yusri Ahmad
IT analyst, Cyberjaya · Money Basics course · June 2025
The situation
Yusri had been working for 18 months and realised he was spending more than he intended each month without quite knowing where it went. He had looked at budgeting apps but found the category systems confusing and gave up. He enrolled in the Money Basics course hoping to get a clearer starting point.
Through the course
Sessions one and two helped Yusri understand his payslip deductions properly for the first time and introduced a simplified category structure. He used the discussion board to ask a follow-up question about his EPF account, which the facilitator answered with a reference to the KWSP member portal.
Three months later
Yusri reported using the spreadsheet checklist from the starter kit as the basis for his own tracking system. He identified one recurring charge he had forgotten about and cancelled it, saving RM 95 per month. More importantly, he described feeling less anxious about money — which he attributed to having a clearer picture rather than a vague sense of it.
"The thing that helped most was just being shown how to look at my own payslip properly. It took about twenty minutes in the first session and I had been putting it off for a year and a half."
Zimah Mohd & spouse
Teachers, Klang · Family Planning workshop · August 2025
The situation
Zimah and her husband had two children aged nine and eleven. They knew university costs were approaching but had not put a number to it and found the topic easy to postpone. A conversation with a colleague who had attended the Family Planning workshop prompted them to register for the next cohort.
Through the workshop
The two-day workshop gave them a framework to estimate typical university costs using published data, model different saving rates against their timeline, and see where their current savings sat relative to what they would need. They left with a completed multi-year spreadsheet planner.
What changed
Zimah and her husband set up a separate savings account the following week and agreed on a monthly contribution amount based on the planner. They also noted two questions about education loan terms to raise with their bank — something they felt prepared to do after the workshop's session on preparing informed questions.
"We did not leave knowing everything, but we left knowing the right questions to ask. That was actually more useful. The spreadsheet planner is something we still update every few months."
Get in touch
Phone
+60 3-2276 6969Address
Level 25, Menara Takaful Malaysia, No. 4, Jalan Sultan Sulaiman, 50000 KL
Office Hours
Mon–Fri 9am–6pm
Sat 9am–1pm
See what it feels like to attend
The most common remark after a first session is that participants wish they had done it sooner. Upcoming dates are confirmed by email after an enquiry.