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 Personal financial management, V2

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fahrur_07
post Mar 16 2011, 09:56 PM

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From: cheras,kl
QUOTE(shamsul_LP @ Mar 16 2011, 06:10 PM)
Hi all, i also want some advice from sifu2 here..i'm 25 this year...want a tip for saving & living  smile.gif

INCOME:

Salary : RM 2500
Others : RM 600
LIABILITIES:

PTPTN :RM 180 p/m (15years, loan RM28k)
Car : RM 770 p/m (9 years, loan RM65k)
Food & Petrol & etc : RM400 - RM500
Phone : RM 30 p/m
TOTAL :  1480

SAVINGS:

ASB : I'm saving RM1000 p/m

left : 2500+600-1480-1000 ~ RM620

So I'm left with RM 600 A month...how to improve my financial management...any advise?
*
instead of deposit 1k per month to ASB
why dont you take ASB loan?
i take rm100k asb loan, after i calculate, the dividend that i get can cover all the monthly installment that i pay for last year thumbup.gif
fahrur_07
post Mar 16 2011, 11:39 PM

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From: cheras,kl
QUOTE(Kellermann @ Mar 16 2011, 10:26 PM)
hi all...for those who work far away from parent..how many time do guys 'balik kampung'?...i'm working in KL and travel back to Penang every month...so i have to spend at least RM200 for toll and fuel..
*
take a bus to balik kampung
at kampung,use ur parent car if needed
fahrur_07
post Jan 4 2013, 09:17 PM

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From: cheras,kl
i have 14k
i plan to use it on march this year for car downpayment
better to put it in ASB or fixed deposit?
fahrur_07
post Jan 5 2013, 02:27 PM

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From: cheras,kl
QUOTE(am33r @ Jan 4 2013, 10:48 PM)
14k for car downpayment??
*
yup..

QUOTE(MilesAndMore @ Jan 5 2013, 01:26 AM)
Huh ? Anyway, if it is between ASB or FD, the answer is ASB. No doubt!
Not restricted to HSBC Premier means all HSBC accounts get RM40,000/day online IBG limit too.
*
for short term also, better to put in ASB is it?
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