Wow, you have 30k and still studying. What about your study, fully own money, loan or scholar ? What about transportation, possess any ?
If you're under loan, I'd suggest save up for easier to repay later. If no transport, save up for downpayment later after you graduated and looking for a job.
As for me, age 24 and seems unable to save up a lot despite living with parents, so no rental. Expenses are as follows :
Fuel RM 250
Toll RM 100
Lunch RM 150
MBB Insurance RM 41.10
Repay MARA RM 200
Tabung Haji RM 50
Parents RM 400
Personal Savings RM 200 <<-- this goes to either UT or ASB, fully untouch
Balance left roughly RM 500 - 600. Seems like alright, but at the end of the month, left ZERO. I don't spend on things, but I guess I spend a lot on weekends like cinemas, hang out and eating especially. I am not stingy when it comes to eating
You might notice no phone bills, as mine is a supplementary line under my dad. Does not cost a lot as I seldom call. Only SMSes, which not so much (I think) so my dad pays. No commitment for car, as it is not under loan.
so far all the expenses are provided by my parents. maybe its to early to think about growing up the money.
im thinking of asm, unit trust, willing to learn knowing them better after this.
thanks guys.