The famous char kuey teow at lorong selamat is a VIP member at Uncle Lim place.

Thats coz every weekend i go to his shop and contribute

hello sifu,

Help me with this. Where I should lessen to add more savings.

gaji 3400
kereta 600
rumah 550
pengasuh 250
digi 60
cimb 180
parents 250
susu anak 180
pampers 150
unifi 150
makan tghari (me & wifu) 180
makan pagi (me & wifu) 240
barang rumah 250
minyak kereta 250


baki 110

CIMB 180 is for what? credit card?

Is your wife working? how much is her pay? i assume she is because you have baby sitter cost above.

180 for personal loan for wedding. huhu.
my wifu work same office as me, but her paying is much more comfortable than me.
again, she cannot help me alot coz got 3 brothers and sister still in University.

I want to find another job, but right now, I feel comfortable with my current job, good raise every year. about 7-10%.

Should I find part time work as well too?

7-10% is good ? is that the "market rate" ?

much more confortable means more than you? if so i believe she will be able to help some eventhough need to support siblings. howeever these are just my 2cents. I'm not sure how heavy your wife burden is so I can't really comment.

I don't know if it's market/good rate. I only know I got 4% only after working for 2.5yrs for this current company

She already help me pay half for our home. other utilities besides internet she paid also.
So for me it is already enough. Plus she also help me buy groceries and our baby's gourmet sometimes.

cut unifi. think how many hours you at home after work? few hours only. And weekend better spend time with family - take wife and baby out jln-jln

by cutting unifi, you can do some part time. Maybe acquire a skill -jual nasi lemak, kuih muih in the morning or else weekend do something your interest that can sell..

how come makan pagi spend more then makan tengahari? can cut makan pagi to cheaper like 180 too? thus save another 60

so if u cut unifi, cut makan pagi a bit, baki 320 per month not bad..



unless u say u want to sell things online thus u need internet ..maybe streamyx 1mb enough around 110, u still save 40 ,

baki after cut unifi downgrade to streamyx 1MB and cut makan breakfast a bit, baki RM 210


I think doing some part time/overtime can increase RM500-600 extra

thus u can set target save RM1K per month...

sorry i asked same question here. if got rm100k 'put' where better? fd or wawasan? some frens ask invest in gold or silver. pls give inputs.

Buy investment books!invest in yrself...spend RM1000..yr will know what to invest later....DUN INVEST ANYTHING THAT YOU ARE NOT FAMILIAR WITH.....

Can get part time income la. But this is just my opinion. Choose wisely b4 you start working hard. The right choice is more important than just work hard.

Hi, do you mind sharing what insurance policy you hold (and how much coverage, premium)? I'm curious how a frugal person manages insurance protection. Thanks!

hi sifu,

i hv income for rm2.4k and having saving for 500 every month.

feels like the 500 wont generate any interest in return if i save it and plan to have some investment(public mutual fund) instead of putting the money in bank.

Is that a good move for my current condition? need a piece of precious advice from sifu here...

I have a question,

Does all Company using Hong Leong Bank for salary purpose ?

My company wants me to open a Heong Leong bank, my 2 fresh graduated friends' company also want them to open Heong Leong bank account.

3 of us do not know what kind of account should open.
http://www.hlb.com.my/pfs/dep/depbsa_f.jsp?flag=depbsa_f

Anyone can guild us ?

Thank mate, Basic Account it is.

I guess most Chinese Companies are using HLB. I wonder why.

Well I've been to 2 chinese company .. 1 use PBB 1 use Affin ... lol .. no such rule la u think too much lol .. I'd prefer PBB or Maybank ... It's hell finding an Affin ATM ... don't think HLB is much better lol ..

At first I thought all Malaysia Company are unified using 1 Bank, which is Maybank.