many people said only m40 and b40 enviroment is hard now, t20 no effect at alll,is tat true? anyone can give thier opinion here

Significant revenue drop for the last 3 months, and things are still not looking well next year in terms of business costs.



for context, in F&B but last 3 months (Sep-Nov) is worse than fasting month (Mar-Apr)

In the reds. Breakeven is around +-13.5k (not incl. business loans).

It's the neighborhood mall, no other ones within the area unless you go out of the township. Not deep in KV where there's a mall every other kilometers.
Planning to clear business loan at start of next year so will free up some cashflow.
Also it's not exactly red every month (yet), just trending downward & only recently went into the reds is all.
Looking to be a close-to-breakeven year for me, which I guess is rather ok since some business I know went belly up as early as 2022/start of 2023, including bigger ones.

Cashing it off now means selling at a loss since alot of people are dumping theirs too (and do what with the money? everybody knows expendable income is down across the board).
Challenge of running a business in these times, and the gomen policies are just really adding more nails to the coffin, for businesses & customers alike

Went to a cobbler to fix shoe, use to ask me RM12, now he asking me RM75.

So business must be good right, can demand so much.

Just pasting rubber to heel. Don't ask where. But I usually do it and I know the price. So surprised now the cobbler asking me RM75.