Apr 20 2012, 02:21 PM
QUOTE(kinwing @ Oct 2 2010, 10:52 AM)
Yah I think WhiteWing should have cut some of the laptop/handphone installments if you are really desperate. Don't forget, you still not add in the transporation cost. We assume you do not use the car to travel to your company, but you still need to spend on public transport right, unless you are working to the company of which is close to your home.
Below is my opinion:-
Car loan : RM 352 ( I drive VIVA only ) (Not going to advice you to sell the car otherwise you will incur losses and still owe the bank though you might be paying a lower installment subsequently. Since your dad's loan going to finish in a year, so you pray u can tahan to pay this 352 in the next 12 months)
Life Insurance + Medical Card : RM 100 (100 in insurance is minimum, should keep this)
My bro laptop installment : RM 91.58 (i'm assume you are helping your younger brother to buy laptop and assume your younger brother could be in college so he needs a laptop to do homework, ask him to work out this part himself, ask him work part time lah)
My own laptop : RM 242 (if really desperate, sell your laptop and use your brother's laptop)
Digi broadband : RM 88 (broadband is not that important, cut this and transfer to your food expenses)
My hp installment : RM 135.75 (I assume you are paying installment for a fancy phone cost about RM2k? sell it if you desperate, so you not only got some cash to sustain your live style for the next few months till clearing your dad loan, you also lessen your burden of paying 135.75 no more each month)
My dad loan ( only end at December 2011 ) : RM 1,077.94 (I don't know what happen to your dad, hope it wont happen again or else you have to find another higher pay job to cover this portion)
Handphone bill : RM 100 (i think this part is high, if can cut by half)
Food : Don't talk about even .. cannot even think. (don't be too harsh to yourself on food, if u sick becuz of lacking of nutrient, you will be more into trouble)
Food : Don't take breakfast,lunch sometimes eat bread,if can go out and see customer,can CLAIM , at night eat roti canai
this guy is really caring. Below is my opinion:-
Car loan : RM 352 ( I drive VIVA only ) (Not going to advice you to sell the car otherwise you will incur losses and still owe the bank though you might be paying a lower installment subsequently. Since your dad's loan going to finish in a year, so you pray u can tahan to pay this 352 in the next 12 months)
Life Insurance + Medical Card : RM 100 (100 in insurance is minimum, should keep this)
My bro laptop installment : RM 91.58 (i'm assume you are helping your younger brother to buy laptop and assume your younger brother could be in college so he needs a laptop to do homework, ask him to work out this part himself, ask him work part time lah)
My own laptop : RM 242 (if really desperate, sell your laptop and use your brother's laptop)
Digi broadband : RM 88 (broadband is not that important, cut this and transfer to your food expenses)
My hp installment : RM 135.75 (I assume you are paying installment for a fancy phone cost about RM2k? sell it if you desperate, so you not only got some cash to sustain your live style for the next few months till clearing your dad loan, you also lessen your burden of paying 135.75 no more each month)
My dad loan ( only end at December 2011 ) : RM 1,077.94 (I don't know what happen to your dad, hope it wont happen again or else you have to find another higher pay job to cover this portion)
Handphone bill : RM 100 (i think this part is high, if can cut by half)
Food : Don't talk about even .. cannot even think. (don't be too harsh to yourself on food, if u sick becuz of lacking of nutrient, you will be more into trouble)
Food : Don't take breakfast,lunch sometimes eat bread,if can go out and see customer,can CLAIM , at night eat roti canai
are you the eldest in your family?
I can see warmth in your words bro
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