Seems like you guys can help people financial. I want to share my financial too if you guys can give opinion.

gross salary = Rm2200
net salary = rm1958

commitment

Dad's car loan (sharing with siblings) = RM100
give parents = RM100
Unifi = RM149
Phone bill (Celcom) = RM113 (contract end in July)
PTPTN = RM100 (around 2k left)
Personal loan = RM183 (4.5 years)
Astro = RM50
Parking fee = RM70
Part time degree = RM1500/semester (3 months)

Total = RM865


I drive to work and my office is only 8 mins from my house. Usually my car's petrol I put RM70 can last for 1.5 week. I can only managed to save RM500 per month. But at the end of the month I ended up to use my savings to cover expenses like food/ petrol/ cigarettes until pay day.

My personal loan is killing me actually. Regret for applying it. Sigh...

Basically, i have no savings, no car, no property, have ASB but not active.