u/Top_Instruction_8778

Hey everyone, looking for some insights or experiences from others who track cycles closely. My girlfriend's period was predicted by her app to arrive on Sunday, August 16, but today is August 19 and it still hasn't started yet.

​Here is her period tracking history from the past few months for context:

​April: Started April 4.

​May: Started May 1, then again on May 25 (24-day cycle)

​June: Started June 25 (31-day cycle)

​July: Started July 19 (24-day cycle — 5 days earlier than usual)

​August (Predicted): App predicted August 16 based on a standard 28-day calculation.

We had protected sex during her cycle. I used a condom the entire time, AND I pulled out before finishing (completed outside of her). There were no visible tears, breaks, or leaks with the condom. So I'm certain that she's not pregnant hopefully.

​My Questions:

​Since her July period came 5 days early (July 19), does it make sense that her body reset its internal clock from July 19 rather than sticking to the app's static calendar prediction?

​If we count a normal 30- to 32-day cycle from July 19, that puts her expected period right around August 18–21, meaning today (August 19) is technically only Day 31 of her cycle. Has anyone else experienced a longer cycle right after an unusually short one?

​Given that we used both condoms and the pull-out method correctly, how likely is it that this delay is just natural cycle variance/stress rather than pregnancy?

​Would love to hear if others have had similar cycle shifts after an early period!

Hey everyone, looking for some insights or experiences from others who track cycles closely. My girlfriend's period was predicted by her app to arrive on Sunday, August 16, but today is August 19 and it still hasn't started yet.

​Here is her period tracking history from the past few months for context:

​April: Started April 4

​May: Started May 1, then again on May 25 (24-day cycle)

​June: Started June 25 (31-day cycle)

​July: Started July 19 (24-day cycle — 5 days earlier than usual)

​August (Predicted): App predicted August 16 based on a standard 28-day calculation.

​Our Situation:

We had protected sex during her cycle. I used a condom the entire time, AND I pulled out before finishing (completed outside of her). There were no visible tears, breaks, or leaks with the condom. So I'm certain she's not pregnant hopefully.

​My Questions:

​Since her July period came 5 days early (July 19), does it make sense that her body reset its internal clock from July 19 rather than sticking to the app's static calendar prediction?

​If we count a normal 30- to 32-day cycle from July 19, that puts her expected period right around August 18–21, meaning today (August 19) is technically only Day 31 of her cycle. Has anyone else experienced a longer cycle right after an unusually short one?

​Given that we used both condoms and the pull-out method correctly, how likely is it that this delay is just natural cycle variance/stress rather than pregnancy?

​Would love to hear if others have had similar cycle shifts after an early period!

Hey everyone, looking for some insights or experiences from others who track cycles closely. My girlfriend's period was predicted by her app to arrive on Sunday, August 16, but today is August 19 and it still hasn't started yet.

​Here is her period tracking history from the past few months for context:

​April: Started April 4

​May: Started May 1, then again on May 25 (24-day cycle)

​June: Started June 25 (31-day cycle)

​July: Started July 19 (24-day cycle — 5 days earlier than usual)

​August (Predicted): App predicted August 16 based on a standard 28-day calculation.

​Our Situation:

We had protected sex during her cycle. I used a condom the entire time, AND I pulled out before finishing (completed outside of her). There were no visible tears, breaks, or leaks with the condom.

​My Questions:

​Since her July period came 5 days early (July 19), does it make sense that her body reset its internal clock from July 19 rather than sticking to the app's static calendar prediction?

​If we count a normal 30- to 32-day cycle from July 19, that puts her expected period right around August 18–21, meaning today (August 19) is technically only Day 31 of her cycle. Has anyone else experienced a longer cycle right after an unusually short one?

​Given that we used both condoms and the pull-out method correctly, how likely is it that this delay is just natural cycle variance/stress rather than pregnancy?

​Would love to hear if others have had similar cycle shifts after an early period!

Hi yall, decided to post here just to get more insight and advice from yall. I'm in a really awkward position right now.

Last year, my mom used me as a co-borrower for a RM1.7 million property loan (Shoplot) not a house. At the time, i wasn't aware of my DSR is over the roof due to my low income until I applied for credit cards only found out about all these.

Fast forward to now: I've been working for over a year and recently applied for a credit card. I've been rejected by three different banks. One of them specifically mentioned insufficient repayment capability (affordability).

After doing some research, I think the issue is my Debt Service Ratio (DSR). Since I'm listed as a co-borrower on a RM1.7 million mortgage, loaning for 25 years so the monthly commitment is around RM9K ish. My current income is nowhere near enough to support that level of debt, so it seems like the banks consider me to be overcommitted.

At this point, I'm worried that I won't be able to get a credit card or even qualify for future loans because of this.

Has anyone been through something similar? What are my options? Would removing my name from the loan (or refinancing the property under someone else's name) be the best solution, or are there other ways to resolve this?

I'd really appreciate any advice or experiences. Thanks!

FYI: I have spoken to my mom about these and she's dealing with her personal banker now. For those asking why do I need a credit card cause I want to build my credit score thats all.

I'm in a really awkward position right now.

Last year, my mom used me as a co-borrower for a RM1.7 million property loan (Shoplot) not a house. At the time, neither my mom nor I realized it would have such a significant impact on my future financial applications.

Fast forward to now: I've been working for over a year and recently applied for a credit card. I've been rejected by three different banks. One of them specifically mentioned insufficient repayment capability (affordability).

After doing some research, I think the issue is my Debt Service Ratio (DSR). Since I'm listed as a co-borrower on a RM1.7 million mortgage, the monthly commitment is around RM9,000–10,000. My current income is nowhere near enough to support that level of debt, so it seems like the banks consider me to be overcommitted.

At this point, I'm worried that I won't be able to get a credit card or even qualify for future loans because of this. Talk to my mom about it she said she will ask her personal banker for help but I still think you cant bypass bank negara Malaysia system.

Has anyone been through something similar? What are my options? Would removing my name from the loan (or refinancing the property under someone else's name) be the best solution, or are there other ways to resolve this?

I'd really appreciate any advice or experiences. Thanks!

I'm not sure if anyone else's mom is like this, but every time my girlfriend's family gives me food to bring home for my parents, my mom always reacts as if she doesn't like it or doesn't want it. In the end, I usually have to finish everything myself because I don't want the food to go to waste.

There was an instance, my girlfriend's mom bought me a birthday cake. There were some leftovers, so they asked me to bring it home to share with my family. When I got home, my mom immediately complained, saying, "Don't eat cake. It's too sweet and unhealthy. Tell them not to buy it next time."

More recently, my girlfriend's mom gave me some durians for my family. After taking just one bite, my mom threw hers away, even though I thought the durians tasted really good. She even said they were "nasty" and that she'd rather eat the durians she buys herself. Once again, I ended up eating everything because I didn't want it to go to waste. That's why I often tell my girlfriend not to bother giving me food or anything to bring home for my family anymore. My mom always finds something to complain about, no matter what it is.

What frustrates me the most is that my girlfriend will sometimes ask if my mom liked the food, and I usually change the subject. She has no idea that I'm actually the one eating everything because my mom refuses to.

It also feels like my mom has two sides. Even though she's never met my girlfriend's family, she often looks down on them for no apparent reason, and I really hate that. We come from a decent family ourselves, so this might the reason why she behaves this way. She always acts like she's the queen, and it's one of the main why i hated her so much and acted so inconsiderate and look down on many people. I just can't stand this attitude anymore.

I've been working for almost two years, and earlier this month I applied for credit cards from AEON and Maybank. Both applications were rejected, even though I meet their minimum salary requirements. I don't have any loans or outstanding debts, and I've never applied for or owned a credit card before, so this was my first time.

Maybank didn't provide any reason for the rejection. AEON said it could be due to my CTOS record, unpaid debts, or other unspecified reasons. However, I'm quite certain I've never borrowed money or had any outstanding debt or commitments, so I'm confused about why my application was rejected.

Yesterday, I submitted an application for a Hong Leong Bank (HLB) credit card, and I'm currently waiting for the outcome. For reference, I applied for AEON in person, while my Maybank and HLB applications were submitted online.

I still can't figure out why both AEON and Maybank rejected my applications despite meeting the basic eligibility requirements. Has anyone experienced something similar or knows what else banks usually look at besides salary?

M23 here working in one of the top offices in KL. I've been working at my current company for 7 months, and honestly, I've learned almost nothing. For the past 5 months, I've barely had any work to do. Most days I'm just collecting a salary and scrolling on my phone. The same goes for some of my colleagues.

At first, it sounds great getting paid while doing almost nothing. But after a while, it becomes frustrating. You start feeling unproductive, unmotivated, and like you're not progressing at all.

Is this what the corporate world is really like?

I started my career in an SME because I wanted to gain experience, knowledge, and skills. After about a year there, I decided to try working in MNCs because everyone kept saying there were more opportunities and better exposure. However, my experience has been the complete opposite.

Most of the work I've encountered in MNCs revolves around operational tasks, reports, proposals, PowerPoint slides, Excel sheets, and endless meetings. To me, a lot of it feels repetitive and not particularly challenging. Same goes to my circle friends around me working in top MNC getting paid 6K to do operation works or boring tasks in their first job and many of them are thinking of leaving their job and wanting to move to do sales role to gain better experience.

In my first job at an SME, even though I wasn't officially a Project Manager, I was given responsibilities similar to one. I attended meetings with my boss with big CEOs in Malaysia thanks to my boss connections, presented ideas, tracked KPIs, coordinated with teams, and handled projects from start to finish. It was stressful at times, but it was also exciting because I was constantly learning and being challenged.

That experience taught me so much that when I moved into MNCs, everything started to feel relatively easy. I've changed two MNC jobs within 5 months, and both experiences have felt very similar. Even though some of my colleagues struggle with the work, I personally find most of it straightforward.

Another thing that surprised me is that I'm probably the youngest person in my team. Most of my colleagues are in their late 20s or older, and many of them came from well-known companies such as Maybank and Petronas. Naturally, I expected them to be significantly more knowledgeable and experienced than me.

However, after working with them, I noticed that many of them seem to have deep knowledge within their specific job scope but are less exposed to broader business functions. Coming from an SME background where I had to wear multiple hats, manage projects, deal with management, and solve problems across different areas, I found myself having a wider range of exposure despite having one year of experience.

This made me wonder whether it's simply the effect of working in large corporations for a long time. In an SME, you're often forced to learn everything because resources are limited. In an MNC, roles are usually more specialized and structured. As a result, people can become very good at one particular area but may not have as much exposure outside of their assigned responsibilities.

I'm not trying to flex or say that I'm better than anyone. This is just my honest observation and experience so far.

Many people ask why I'm still staying. Cuz I plan to remain here until the end of the year before joining my father's business. Since my workload is light to noting at all, I use the free time to learn new skills, keep up with AI trends, and improve myself.

While MNCs generally offer better salaries and benefits, I personally feel that SMEs provide much steeper learning curves, broader exposure, and greater responsibilities. In an SME, you're often forced to wear multiple hats and solve real business problems. In an MNC, at least from my experience so far, the work can feel more structured, specialized, and repetitive.

Maybe corporate life just isn't for me. I value growth, challenges, and learning more than comfort. Anyone else feel the same way after moving from an SME to an MNC?

Just want to hear your thoughts on this.

A few months ago, I gave my partner my card so she could use it for small things like food and drinks. She used to talk about how other partners gave their girlfriends their cards, so I didn't really mind.

Recently though, I've noticed she's been using it quite a lot — buying clothes, work lunches, drinks, desserts, and other things. I don't mind her using my card, but I feel like there should be some level of control. The thing is, she actually earns more than I do, yet she rarely spends her own money except on online shopping, clothes, and things for herself.

I'm a pretty simple guy. I don't spend impulsively, and I don't usually buy expensive food or drinks. My weekday work lunches are usually around RM11–14. On weekends, I spend more because I'm eating out with her, and I'm usually the one paying. Most of the time, I bring her to cafes or nicer places to eat.

We have an agreement where Saturday is our "better food" day and Sunday is supposed to be a cheaper meal day since she's paying. But sometimes when she's paying, she'll complain if I order something that's slightly more expensive, even if it's only around RM20. As a guy, I naturally eat a bit more, so the difference is usually just a few ringgit. Hearing her say things like "that's expensive, don't order that" makes me wonder if she'd ever spend on me the same way I spend on her.

What bothers me isn't really the money. I live quite comfortably, have no major commitments besides paying my parents every month, save around 70% of my salary, and invest most of it into stocks. I barely spend on myself cause i have nothing to buy. Most of my expenses are food, tolls, and petrol.

My girlfriend, on the other hand, enjoys shopping, buying drinks, and generally living a more lavish lifestyle. That's completely fine — everyone is different. But what doesn't sit right with me is that she seems very comfortable spending my money, yet becomes very cautious when it's her turn to spend on me.

Maybe I'm overthinking it, maybe this is normal, or maybe it's not really about the money but about fairness and consideration.

For those in relationships, do your partners act similarly? Am I being unreasonable for feeling this way? And of course, whenever I try to voice my concerns, she says I'm too concerned about money or being cheap. I don't mind you spending my money, but I think there should be some level of self-control and consideration

Just want to hear your thoughts on this.

A few months ago, I gave my partner my card so she could use it for small things like food and drinks. She used to talk about how other partners gave their girlfriends their cards, so I didn't really mind.

Recently though, I've noticed she's been using it quite a lot — buying clothes, work lunches, drinks, desserts, and other things. I don't mind her using my card, but I feel like there should be some level of control. The thing is, she actually earns more than I do, yet she rarely spends her own money except on online shopping, clothes, and things for herself.

I'm a pretty simple guy. I don't spend impulsively, and I don't usually buy expensive food or drinks. My weekday work lunches are usually around RM11–14. On weekends, I spend more because I'm eating out with her, and I'm usually the one paying. Most of the time, I bring her to cafes or nicer places to eat.

We have an agreement where Saturday is our "better food" day and Sunday is supposed to be a cheaper meal day since she's paying. But sometimes when she's paying, she'll complain if I order something that's slightly more expensive, even if it's only around RM20. As a guy, I naturally eat a bit more, so the difference is usually just a few ringgit. Hearing her say things like "that's expensive, don't order that" makes me wonder if she'd ever spend on me the same way I spend on her.

What bothers me isn't really the money. I live quite comfortably, have no major commitments besides paying my parents every month, save around 70% of my salary, and invest most of it into stocks. I barely spend on myself cause i have nothing to buy. Most of my expenses are food, tolls, and petrol.

My girlfriend, on the other hand, enjoys shopping, buying drinks, and generally living a more lavish lifestyle. That's completely fine — everyone is different. But what doesn't sit right with me is that she seems very comfortable spending my money, yet becomes very cautious when it's her turn to spend on me.

Maybe I'm overthinking it, maybe this is normal, or maybe it's not really about the money but about fairness and consideration.

For those in relationships, do your partners act similarly? Am I being unreasonable for feeling this way? And of course, whenever I try to voice my concerns, she says I'm too concerned about money or being cheap. I don't mind you spending my money, but I think there should be some level of self-control and consideration