FD is saving not invstment.

setup emergency fund in FD... at least 6 month ur monthly expecses.

if u bumi, ASB is the right choice for the safety.

buy insurance first, medical card enaugh for health protection.

take sometime to educate urself for riskier invetment like stock, unit trust, gold, properties  and others. subscribe to the edge personal money will hep u too for the knowledge.

When you mentioned the rent of RM550 per month, does that include you paying for the monthly maintenance? If it does that means your return is lesser. You also have to calculate the cost of maintaining the apartment (repairs) and the assessment fees.

The way to save more is to earn more than you spend. So the strategy should be twofold...increase your income and decrease your expenses. Increasing your income includes increasing the returns on your investment. 

In your case your goal is to save RM30K at the end of one year. At the moment you can perhaps save RM500 per month. As you need to save RM2500 per month, this means you need to increase your income by RM2K. You can earn this by selling your property (Make sure that you sell with a profit of at least RM30K) or get another job that allows you to bring in an additional 2K per month. You can work either at night or during the weekends. If you can work during the weekends for at least 8 hours a day with RM30 per hour, that would earn you an additional RM1920 per month.
When I was much younger, these are some of the jobs I did to earn money to pay for my university fees:-
1. Telemarketing (I could earn almost 3K a month with commissions but you have to be persistent and thick faced)
2. Wrote papers for government proposals. This was very lucrative. I earned up to 5K per paper. It is hard work and deadlines must be met. Once I worked on a paper for three straight days without sleep (just 15 min power naps)
3. Babysitting and Tuition (I used to do babysitting at night for tired moms who want to go out - I charged RM10 per hour. I think the rates are much higher now)