Millennials have been called many things: they're entitled, they want a reward for showing up, they're job hoppers.

The truth is, these perceptions are not entirely true. They grew up in an era where they can get anything and everything they want with just a press of a button. Hungry? Just order food using FoodPanda. Too lazy to go grocery shopping? Have them delivered to you instead. Want someone to pick up their laundry? There's probably an app for that as well.

Living in a world where everything is made easier for them, it's no wonder the older generations think they don't work hard enough. But having said that, there are certain things in life that millennials should at least know, or learn how to do.

To help you guys out, we spoke to ten Malaysians who shared with us some words of wisdom for the new generation:

‘Credit cards are a staple in the modern-day economy. And it has so much appeal to us millennials: buy what you want, when you want – even if you don’t really have the money. More and more millennials are falling into the financial burden that credit cards entail. What’s important to know is that credit cards often charge exorbitant interest rates. So, I wouldn’t suggest using them unless it’s an emergency.

If you MUST use your credit card, try paying it off as soon as you can (at most, in two payments). Never fall for the trap of paying the minimum amount, as you’ll probably end up paying an insane amount of interest. Instead, use debit cards so that you’d only be using money you have – definitely a smarter financial habit.

However, credit cards are not all that bad; they help provide credit trail and in turn, helps your credit rating, which can be useful when it comes to securing financial loans from banks; that is, if you pay on time, of course!’ -    Reuben, 30, Solution Architect