Rental very expensive: try to find wangsa maju rental to rm400-rm200.
food: breafast rm3( roti rm0.60x2, nasi lemak/bihun ta pau rm3). I been thru eating roti rm0.60 for 8year.
------>lunch rm6-8.
------>dinnerrm6-8.

I join Tzu Chi and Soka Gakai , or my CompanySocialResposibility i get free food for the voluntariy task i do. Save money and occupy my time for every weekend. no kidding . Example Merdeka 2007 performance, training every weekend for 2 month - i save money weekend meal.

I dont hv car until now- take train& bus to work. Stay at Gombak near to Putra Tmn Melati walking distance 5min.

Insurance: try to take life insurance onli much cheaper compare investment link insurance. Ask your agen can reduce coverage.

Utilities: rm100 very expesinve for single ppl. when i was single my Utlities(water & elect) is arnd rm 25 per month.No broadbrand, Prepaid line rm30 per month. Hp is Nokia3100 i bought 2004 until 2008 stolen. No laptop also.

The time my salary is only rm2300.
I able to send back home rm600 per month. And save rm 100-300 for my oversea trip like Cambodia, Vietnam, Indonesia, Si Padan, clim mt KK, all island. Spend my backpack trip less than rm1.2k.

My 1st bonus i invest in UT, never take out for spending.

Find extra job like UT during weekend- out with my frienz. Earn $$$ when yam cha.

Cut botak hair, can save the cost cutting hair. Go to Q-Cut only rm16. Last time only rm10.

I dont drink Paparich, OldTown or etc juz bring own big water bottle where ever i go.

This post has been edited by felixmask: Mar 6 2013, 04:15 PM

Married lol, different story.

This post has been edited by felixmask: Mar 6 2013, 07:19 PM

that before married. After married different story.

me too Salute You

You cut own hair. Indeed this skill i dont hv.

If drive around Klang valley...


My wife drive Viva. Petrol 1mth less than rm100.

This post has been edited by felixmask: Mar 9 2013, 01:41 PM

Me and my wife work nearby, so come in the same place, and walk to office.

Kuchai Lama to Golden Triangle using Smart Tunnel(avoid traffice jam) early morning - 15min to 30min and go back after 8pm take 20min.

The most important is the location where we work , where we stay ( distance) and traffice we use.

This post has been edited by felixmask: Mar 9 2013, 02:21 PM

remind me also, tire working with corporate life, everyday like go war zone - throw bom and shield from bom, work like slave for BOSS not the company.

"My company pay me peanut to perform Monkey Show but pay other Monkey eating peanut see my monkey show"

Day night struggle to fix system and clean prblem.

Retire early -get out from monkey show but do the job like Top management - got horse to point to do, while got chances

My financial aim - Ever month aim to save arnd rm1k and never spend on my Bonus.

This post has been edited by felixmask: Mar 9 2013, 02:40 PM

so fast when you got it ? Mine this coming march ? planing to Sai Lang some equity stock and 30% to bond fund/FD.

Bingo me in IT.

U better still aim to save rm2k - rm3k.

Rought estimated yearly saving/investment around rm20k. and another 20k you put in UT.

RUN by ANg Moh...report to Hong Kong.

Good advice SeaFOod Wong,

Spending on non-asset-item, only depreciate the Value we earn.
Look at grandpa time, when there no such thing HP, Laptop, AirAsia, Android, etc but money save under the bed for raining day.
Generation change didn’t see buy thing using credit the value for tomorrow, forever we will be slave to the BANK.
Look at mall every day i can see young couple buy/shopping thing like watch/accessories/cd/gadget/apparel
Do they see the return of value spending vs future saving, except making the Taukeh boss happy when buying their goods?
Spending non asset-item is juz temporarily lust for entertainment, when the time bored non asset item hv no value.
News spending needs to fill absolute hungry entertainment for emptiness.
Either we create thing we hv absolute value or we hv be patient on our spending.
I regret school never taught on financial independent and our parent financial education not show good example
All children have given gadget by their family to temporarily solve children growth.
Any children understand how $$$ was earn?

Remind me "Happy eating alone"
No need to order boss already know ...rm6.00 for my dinner.



Life's Blessings
I cried because I had no shoes;
Till I saw a man with no feet.

Life is full of blessings.
Sometimes we're just to blind to see them.


http://www.pravsworld.com/content/inspirat...ife-s-blessings

I believe we late invest in property for short term.
Too high the loan we bear with not many ppl hv the errning power to purchase.

envy ..my boss pay me peanut to work like monkey

This post has been edited by felixmask: Mar 12 2013, 08:11 PM

HI PINK SPIDER,
Are you refering stock broker fee? or opening CDS account rm10?

This post has been edited by felixmask: Mar 13 2013, 09:49 AM

Ok, thanks

Maybank Nominee: 0.1% or minimum rm8, which is higher.

That why can see Bank give goodies as favor for signup the CC.
Bank eyeing the CC shopper swapping regulary - until $$$ not paid, then all the hidden charging to you.
Thats how bank use CC to made money, Using SHOPAHOLIC as victim for their profit.

me to give rm50 in annual fees : i used CC juz for petrol.

This post has been edited by felixmask: Mar 13 2013, 11:01 AM

impressive....you..where you catch ? I dont tink KL hv any place to catch..