Net Salary: Around RM 3200

Commitment:
Property Loan: RM900
Car Loan: RM500
Savings: RM300
Food: RM500
Internet + Phone: RM200
Electricity + Water: RM50
Misc Expenses (GF), groceries etc: RM300
Credit card payment (new house renovation, furniture etc) = RM450
Total: RM3200.00

Nothing left for emergency or any other purposes. It is common for me to fall into deficit each month where it showed in accumulating credit card payments.

My status:
1. Owed credit card about RM4,000.00. Each month pay some but then uses the back the same amount. Hard to reduce. Always got emergency, car maintenance etc.
2. RM360 investment in Instaforex with friends. For fun. So far grew 10% each month.
3. RM4k savings in another account. This money cant be touched, need it by end of this year.
4. No part time job.

I need to find more ways to cut my spending and increase my income through part time. Anyone can give me any idea ?

Internet and phone are already using the lowest plan. Any lower would be as well a cancellation.

House reno and furniture is already paid by credit card. Now it is just repayment, which is the 4k.

Yeah I know.

I didnt live alone, I still have one younger sister and brother living with me. They needed the internet.

Its a new house. If you had bought a brand new house, you would know where to spend. Install safety window grill, house lighting and fan, kitchen cabinet (cheap one), second hand sofa, dining + working table for my siblings, utensils etc. I didnt even install water heater or aircond. I would love to save these money but all these are necessities.