WalletFriend Community Network

WalletFriend is a community network where you can get money-saving, budgeting tips and advice on money transfers. We also feature the lives of migrant workers in Malaysia by sharing their personal stories including challenges faced with sending money back home.

Personal Stories

Know the real stories behind the faces of these strangers and unravel their experiences beyond money transfer services.

Earn and save money to help family

“I come to Singapore because I desperately need a job. I want to earn and save money to help my family back in my hometown in Lombok, Indonesia. I’ve never plan to move out from my village until my friend told me that, working in Singapore will allow me to feel the “live your life …

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The burden supporting the family

“It’s hard when you are the one who taking the responsibilities of the whole family’ I’ve been working ever since I was young.  I came from a poor family. I’m from East Java. It’s hard to work in Indonesia and the payment is not that good. You worked so hard but then the amount you …

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Long Plan For Myself

“I have a long plan for myself so that in the future I know what to do during hard times.” “I am 26 years old and have worked in Malaysia for 5 years. Since I was 21 years old, I started my first job in a factory.  I was unable to continue my studies and …

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After I Graduate From University

“I have a long plan for myself. After I graduate from University, I will try to get a job in Bandung while in Malaysia” “I am currently 24 years old and have been working in Malaysia for the last 4 years. In Malaysia, I work as an operator in a factory located in Shah Alam. …

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The Importance Of Sincerity

“My employer treats me like his sister.” “My husband and I divorced and during that time, I don’t have a job or even savings. Because job opportunities back in my hometown are very limited, I decided to accept the opportunity to work in Malaysia and earn some money for my retirement. My son also followed me to Malaysia and …

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A Grateful Heart Of Mine

“I’m grateful with my life now though I’m not working in my own country” “I decided to migrate to Malaysia after my husband passed away even though I have never worked before. I started my first job as a cleaner in Kuala Lumpur. Even though my son have already graduated from high school, I still …

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My Prayers Were Finally Answered

“It’s not easy to raise 5 kids alone..” “I’m a single mom who’ve been working in Malaysia since 1993. I started my first job as a housemaid and I send money to all of my 5 kids in Indonesia every month since then. I have to work because I don’t have any other options. There …

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The Sudden Loss Of My Husband

“I lost my husband suddenly without even saying sorry or I love him” “I arrived in Malaysia about 6 months ago and I have to admit that I am not familiar with this place yet but my friends never stopped helping me to adjust my life in Malaysia. I decided to move to Malaysia after my husband …

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I Will Always Stay Ready

“I always teach myself not to be ignorant when it comes to education, even though my teacher might be younger than me.” “I have never felt that I was too old for new knowledge. Age is just a number. For 15 years I’ve worked in Malaysia, I always remind myself not to be ignorant to …

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Repay My Parents’ Kindness

“I dream to get a job worth the effort that I give” “I’ve been working in Malaysia for 2 years now and because I didn’t get the opportunity to study when I was in my hometown, I continued my studies here in Malaysia. Fortunately, we were given education and learning skills for our preparation here …

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Start A Bigger and Better Life

I’m here to start a bigger and better life “After months of unemployment back in the village, I decided to find a job in Malaysia. I started working as an assistant in a foodcourt and when I was just 20 years old at the time. I felt quite nervous at the time because I had …

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Sharing My Experience and Views

“Back in our homeland, a Bachelor Degree won’t promise you a job” “Indonesia is not like what foreigners expected. When I was in UKM, I still remember someone asked me whether we have computers and laptops in Indonesia or not. I asked them to personally come to Indonesia and let them see how we live. …

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Opportunity to Study

“I have to work and study at the same because I don’t have the opportunity to study when I was in Indonesia.” “I can’t afford to continue my studies because I have another two brothers who are still in school and our parents couldn’t afford to pay for our school fees thus I’m willing to …

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Focus On Afterlife Success

“In the year 2019, I want to be able to take my parents to Hajj.” “I started to work in Singapore in 1998. I went back to get married in 2006 and returned in 2011. I have one son from my former marriage, due to circumstances, I left him when he was 3 year old. He is now staying with …

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Work For My Retirement

“I only remembered I was asked to sign a few documents, and found out that I lost all my savings, my house, and the child custody.” “My mom passed away when I was 5. My dad married another woman and when I was 8, my dad passed away due to an accident. Since that day, …

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Saving For Startup Capital

“One day, when I have enough capital, I want to start my own business and open a small shop in my hometown.” “Personally, I decided to work in Singapore because I wanted to forget and stay away from someone. Apart from that, I also needed money to support my mom, my younger siblings, and my …

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Preparation For My Future

“I don’t think that I’m too old for school” “I arrived in Malaysia 26 years ago and started my first job as a housemaid. After many years working for other people, I started to get to know people in my neighbourhood and start my own small business. At first it was a bit difficult for …

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Fight For Migrant Workers

“Apart from being a responsible mother, I also wish to continue to fight for the rights and welfare of migrant workers.” “I am a single mother with two children. To support them financially, in 2005, I decided to go to Singapore to work as a domestic helper. Being in Singapore for more than 10 years, …

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Journey Of A Lifetime

“I do not know how old I am now because our lives in my hometown are very hard, we are not given any identity cards or birth certificates.” “I do not know how old I am now because our lives in my hometown are very hard, we are not given any identity cards or birth …

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Use My Free Time Wisely

“My cousin said that I should use my free time wisely and recommended me to apply for a scholarship for a hairstylist course.” “My dad passed away 6 years ago and left me and my mom behind. As a single parent and an only child, I have to work to support my mom and my …

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A Little Woman Like Me

“And that’s where I met my current boyfriend, a Nepalese man. It’s hard for us to speak because of the language barrier but that’s not a problem for us.” “I still keep my relationship with my boyfriend as a secret from my parents. Because I’m afraid they can not accept my decision to have a …

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Work For The Sake Of My Children

“I am so sad to live far away from them but fortunately, thanks to technology, we can still communicate via the phone.” “To become a domestic helper was never my dream. Right now, I am doing this because circumstances forced me to. My husband passed away, after 1,5 years of suffering. His fifth chemotherapy failed …

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Controlling My Future

“My 12-year-old son had to work to help me at home.” “As a single mother, I feel like I am the source of money for my children. Back in my hometown, I have never worked and since then I only expect money from my husband who works in Malaysia. Several years later, the children and …

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Mom And Meatballs

“Every time that memory kicks in, I feel sad.” “I was born in a poor family, the youngest of 5. Due to our financial status, my neighbour always insulted and disrespected me and my family. Tired of enduring years of insult and humiliation, I knew I had to do something. That’s why since I was …

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Home Is Where My Mother Is

“I am not strong enough to see the woman who sacrificed a lot for me but I am not with her, physically.” “Maybe this is my sacrifice for my mother. My mother, who is now sick in the village, is looking forward to my return to take care of her but I have no other …

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Do It Sincerely

“However, I still put my whole heart and my effort into this job.” “In October 2015, I came to Singapore to work as a domestic worker. It’s been 2 years now. At that moment, I just wanted to experience how being a migrant worker feels like. My main responsibility here is to take care of …

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A Leader For The Family

“I admit that I do feel lonely without them but I have to accept my fate that I am here to work because it is my responsibility as a father, a leader for my family.” “I’ve been working in Malaysia since 1989. I think that you haven’t even born yet when I arrived in Malaysia …

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Never Stop Learning

“Traumatised by my past experience, I never wanted to go back to Singapore, however circumstances forced me to.” “I’ve been working in Singapore as a domestic helper since 2010. My first job was a nightmare. I couldn’t use my phone nor take any days off, it were two years filled with tears. After my contract …

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Blinded By Eternity

“I got married to a Bangladeshi man 3 years ago, even though our culture is very different, I didn’t really mind..” “I am the only one in my family that is willing to work abroad with the hope to find additional money for our monthly spending. At the same time, I am also looking for …

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My Role Model

“I believe everyone can achieve their dreams if they try hard enough”. “I started working in Singapore in 1997. In 2002, I went back home, got married, and decided to come back again 2 years after. Personally, I love being here in Singapore because it is much safer than my hometown. Fortunately, my current employer is really nice. I have been …

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Source of Bliss

“Other expenses in Malaysia are enough to manage for the both of us, so we can still save money. After 15 years of working in Malaysia, we are now just waiting for the right time to go home and retire.” “I used to work as a gardener in my hometown, but my salary was only …

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Beloved Of Hell

“My husband often hit me before he ran away..” “I’ve been working in Malaysia for 8 years and all my 3 children are still in school. Each month I will send them some money for their daily expenses. Even though I save half of my salary for our family savings, I will still allocate some …

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Waiting For The Right Time

“I’m waiting for the right time to go home.” This is my fifth year in Malaysia and I managed to have enough savings for my future. I finally have enough savings to repair my house back in the village. My son is almost finishing secondary school and will go and work to help out with …

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The Trouble with Trust

I was cheated and almost sold to a nightclub. “There are various experiences that I had in Malaysia. I was almost being sold to a nightclub and was taken away by taxi driver. I was afraid to make any friends with anyone because I’ve been backstabbed by my own friend in the past. I’m afraid …

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She’s My Responsibility

I also help my grandmother in the village because I think she is my responsibility. “I arrived with my brother in Malaysia for work 5 months ago and we’re still not familiar with life here. Fortunately, we both got a nice employer and she covered for our house rent and food so we do not …

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Love and Sweet Memories

My grandmother took care of me with my other siblings since we were child and because she was too old and unable to work anymore, I think it is my responsibility to repay her kindness. “After I graduated from secondary school, I decided to follow my uncle to work in Malaysia. Since the economy in …

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I’ve Accepted My Fate

Seeing my husband working so hard, I wanted to go out and help but my situation didn’t allow me to. “I have been living in Malaysia for 8 years now, together with my son and husband. I have never worked since we came here, so I’m depending on my husband’s salary. I’m very grateful that …

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Won’t Forget My Way Home

Sometimes, if I have some extra savings, I’ll go back to Padang and bring my children so they won’t forget their origin and hometown. “I’ve been in Malaysia for 25 years but have never worked for anyone and became a full-time housewife instead since the first day I arrived in Malaysia. My husband opens a …

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Future Savings

Sometimes we both miss our children but when we think of their future, we are getting back our spirit “I believe at my age I should be out of my hometown to find more experience. Even though I already have 2 children, I feel more freedom here compared to where I used to live. In …

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A Mother’s Strength

In 6 years I met my child only 6 times, but I dont mind as long as he remembered me as his mother “I’m a single mother and have been taking care of my own child, alone. I left my son in the village when he was only 2 years old, and my child was …

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The Key to Everything is Patience

I thought it was the hardest experience, but many taught me about patience. “My mother has been working in Malaysia since I was a kid, and now I follow her footsteps and work here as well. I think it’s my responsibility to take care of my mother even though she has been here for a …

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Experience Teaches Us

Many people say that there is no job in the village, there are actually jobs but the salary is not worth the job’s requirement. My salary a day is not even enough for me to save for my future. So I was determined with my decision to go and work in Malaysia. “I am young …

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Pension Comes Later

I am very eager to retire and go home but thinking about the needs of my family and my children in Indonesia, I continue to work in Malaysia and the pension comes later. “I’m just counting my days in Malaysia. While I work alone in Malaysia, my family and I have been apart for 15 …

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Wise Woman Advice

I should not treat people the way I don’t want to be treated. “I’ve been working here for 6 years and there are some customers who are friendly but some are not so friendly to those who are looking to make a living. I never take it too serious whenever a customer comes to my …

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Working For My Future

If God allows, I want to make a business in Indonesia. “I’ve been working in the food court in Pavilion, Kuala Lumpur for two months and I think this is the only job that gives me more savings for our life. I started my first job at the construction site and worked for 2 years …

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Together With My Brothers

I am so grateful that I am not being alone here. “I had a job in Indonesia but my salary in my hometown was not enough for my wedding savings. I used to work at a construction site in the village but I have not been able to save enough of my money to get …

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On The Right Path

At that time, I felt like God was protecting my livelihood. “I’ve been working in Malaysia for 1 year but already had a bad experience at work. My first job was as a maid and I could only survive for 2 months because my employer did not allow me to eat and pray in her …

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Willing To Do Anything

I just hope he will never forget me and my family when he’s done one day. “ “Everyone complains about the economy in Malaysia, that it is not as good as before but in my defense, we have a problem everywhere in the world. We’re the one who can change it no matter what the …

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Misled By Agents

I’m having trust issues towards others because I was cheated by a TKI agent twice and I lost almost RM 10,000! “I’m having trust issues towards others because I was cheated by a TKI agent twice and I lost almost RM 10,000! Initially I worked as a maid in Melaka but after the Malaysian currency …

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Back To My Hometown

I want to retire from my current job and return to the village and rest. “My savings started growing after 14 years of working in Malaysia. Since all my children work in Malaysia and my mother in the village passed away 7 years ago, I never have to send money to Indonesia. They all went …

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WalletFriend Wisdom Tip series

Learn the best practices of managing your hard earned money better. Doesn’t matter if you’re working in the fields, taking care of households or help serve food at a mamak, we are here to be involved and share information on money management.

We are here to change the world bit by bit!

WalletFriend Wisdom Tip #17: How to Easily Save Cash

Welcome, we are back again with a new financial tip! This week’s tip is about easy ways to save some extra cash. Set a Goal Setting a goal for your savings is important because a goal will help to keep you focused. It is also easier to keep track and control your finances this way. …

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WalletFriend Wisdom Tip #15: Save Money in A Creative Way

We are back again with a new financial tip! This week’s tip is about saving in a creative and more fun way. These tips have to get your more motivated to save money. The 52-Week Money Challenge For this challenge, you will save for 52 weeks. Normally you either start with 1 and finish with …

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WalletFriend Wisdom Tip #12: How To Overcome Challenges

Welcome, we are back again with a new financial tip! This week’s tip is about overcoming financial challenges in life. Robert Kiyosaki says that there are 5 things in life that are holding you back to become successful in growing your finances: fear, cynicism, laziness, bad habits and arrogance. Fear means the thought of losing …

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WalletFriend Wisdom Tip #11: Increase Income With Side Jobs

Welcome back to our weekly tips, if you’ve been with us from the start we hope our tips have proven to be successful in helping you grow your wallet. Today we have a new tip for you that can help you grow your wallet and reach your financial goals. In today’s article, we will discuss …

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WalletFriend Wisdom Tip #10: Good Debt or Bad Debt?

Sometimes it may seem that debt is a never ending downward spiral, and for this reason, many people want to get out of debt as soon as possible, and for the most part, they are not wrong. But what if I told you that being in debt doesn’t always have to be a bad thing? …

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WalletFriend Wisdom Tip #7: Pay yourself first!

We are back again with another tip to help you grow your wallet and manage your money better. As an addition to last week’s tip, WalletFriend Wisdom Tip #6: Setting an emergency fund, we bring you another tip that is just as important as saving and budgeting. We bring you the one of the oldest …

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WalletFriend Wisdom Tip #6: Setting an Emergency Fund

In our previous tips, we discussed on the importance of setting personal financial goals and for this week’s topic, we would like to discuss the most important financial goal – the emergency fund. Everyone have dealt with set-backs in their life – could be sickness, household repairs or some unforeseen situations. When it happened, were you prepared …

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WalletFriend Wisdom Tip #3: Mr. Income Meets Ms. Spending

Just like most people, we absolutely love pay day and honestly who doesn’t? There is no other feeling like waking up to knowing that your hard earned money will in your bank account soon. Maybe it’s just us, but knowing pay day is near, we will start to daydream about the little list on “must-buy …

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WalletFriend Wisdom Tip #2 – Who Takes the Biggest Bite?

In our previous article, WalletFriend Wisdom Tip #1, we discussed the importance of tracking your spending to determine where were your money spent. So by now, we are sure you did an excellent job tracking your daily expenses. “What gets measured gets managed.” – Peter Drucker, Management consultant, educator, author So congratulations! You have overcome the …

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WalletFriend Wisdom Tip #5: Your Financial Goal

We are back again to bring you another tip to manage your wallet. We hope the previous financial tips have helped you so far but it doesn’t end there. This tip focuses on setting financial goal. We believe everyone have some ideas in achieving their life goal. For example, buying a house, saving for the …

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WalletFriend Wisdom Tip #4: Do I Really Need This?

Has your wallet grown since out Tip #3? If you aren’t, don’t worry, it takes time to financial freedom. Hence, we are here for another tip! This article mainly focuses on how you can make better spending decisions to match your budget. Often times we are still not consciously thinking about our spending behaviour which …

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WalletFriend Wisdom Tip # 1: See Where Your Money Goes

Welcome to our first article in a series where we share step-by-step tips on how to manage your hard earned money better. #1: Simply start with recording all your daily spending To kick start this series, you need to start recording all your expenses and get a better understanding where money were spent. The good …

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