Nov 21 2012, 05:19 PM
QUOTE(bilaman @ Nov 20 2012, 02:00 PM)
Hi guys,
Currently i need some advised for my personal expenses every month.
Total salary after epf and tax is rm3300
Car loan - rm930
Personal loan - rm350
Utilities bill - rm250
Cc - Rm400
Mobile bill - rm150
Fuel - rm250
Food - rm250
Outside loan (previously have a business but not workout well)
- rm700
Total = rm3280
Left only rm20 for savings...(sad)
So can i have any advise on how to manage my expenses.
Thanks..
dont sell your car, you already wash your hair wet, might as well continue to pay for it. cut down on your utilities, mobile and cc bills. use public transport and minimize the use of car, this will save you fuel, parking and car maintenance. renegotiate your loan payment to pay less but longer term, maybe you can pay more after you finish your car loan.Currently i need some advised for my personal expenses every month.
Total salary after epf and tax is rm3300
Car loan - rm930
Personal loan - rm350
Utilities bill - rm250
Cc - Rm400
Mobile bill - rm150
Fuel - rm250
Food - rm250
Outside loan (previously have a business but not workout well)
- rm700
Total = rm3280
Left only rm20 for savings...(sad)
So can i have any advise on how to manage my expenses.
Thanks..
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