I am 32 years old, still noob and need your help. Here's my summary of my earning and deduction:

Salary: 2800 (after deduct EPF + Sosco)

Internet: 88
Utilities - RM100 (Electricity + water)
Apartment maintainance fees - RM150 ( I usually paid in advance quarterly coz I hate go every month pay)
Petrol: 150
Phone credit: Digi Prepaid balance RM650+, super long talk time.. I think cannot finish credit, I seldom reload..
Food: 400
Car loan: No (settle) - BLM
House loan : No (settle) - Living in Condo
Education loan: No (settle)- PTPTN
Credit Card: No
Personal loan: No

Basically I just spend RM800+ a month, sometimes work OT got a bit more money ok to pay the Indah water, miscellaneous bill, dunno wat bill wat bill, bill come I just go settle them..

Net savings per month: RM 2000 / I just make it easy count, I dump in extra RM1K into savings making it RM25K per year.

Rough calculation today I have around RM150K cash in FD, Sukuk, etc.. use the intrest go holiday jln jln around RM3K per year

I take old ppl advise practise - "AFISH". I do not like risk, no investment. Money must be protected by PIDM up to RM200K.

A - ASN, Wawasan 2020, Sukuk, etc
F - FD
I - Insurance
S - Shares (Dare not buy)
H - House (Done)
Can I retire at 50 years old?

I read about this
http://budgeting.about.com/od/Why_Budget/a...Millionaire.htm
If You Save: $2000 per month

You'll Be a Millionaire In: 19 years and 7 months.

U rent a room right? Ask landlord to add a bed. Twin sharing double decker - can reduce by 50% thus u paying RM200 only. My brother in KL is sharing room la that is why room rental can divide by 2.

Parent allowance RM500 - ok, being noble son/daughter to support parents. I no comment coz I nothing to give, coz they are a lot richer than me.

Food - RM100 coz only lunch eat outside. Lunch cannot help it need to eat outside coz working. Breakfast eat bread or biscuit at home + a 3 in 1 cofee, Night cook your own dinner - Making sandwich or cook bihun put some choi sum vegge or eat oat. Cheap cheap only.

a loaf of bread, eat 2 slices for breakfast n 2 slices for dinner, RM3.20 Bonaza can last u at least 5 days.
buy eggs cheap only 10 AAA for RM3.20. Boiled them hard 100% coz egg in boil form after eat can tahan lebih lama.
buy magerin Planta instead of butter cost less than RM10
3 in 1 drink those Aik Cheong or get those Spirulina type with a lot of oats cost less than RM15
bihun 1 big packet RM2, choi sam get the 1 bundle RM2 type, cook clear soup bihun put some choi sim add some salt. Salted fish also cheap/ telur masin also cheap can consider add a bit..ratio it ok to last longer
Cook oat also cheap la.

Gas 1 tong 1 month also cannot finish one la..coz not boiled soup...just simple cooking less than 5 minutes each meal...

Transport - RM300 . Try to reduce to RM50. Take commuter and free bus Go-KL, walk a bit lo...
http://www.spad.gov.my/news-events/announc...-service-routes

Ha  Now u achieve RM850+ monthly too....I salute you coz there u give parents allowance RM500...Congrats u just spend RM350+ on yourself..Unbelieveable!!!

I saw some ppl that eats a lot one...In order to save even more...They just took plenty of white rice + some curry will cost RM1.00, they bring from home 3 hard boiled egg S size one and eat together for lunch...If u eat like this..on the meal you can further reduce to RM50, thus should be Amazing achieve RM800+ montly spending same like me....  

I aM POSSIBLE
2 hard boiled eggs + 2 fruits + 4 slices of bread tah pau-ed from home for lunch daily  (kiamsiap + health concious)
My cost? definitely lower than $3 - all sourced from Tesco, on a 5% cash back credit card + 1% Tesco points

Guess how much per month my working lunch cost?

Jerrymax,
You mentioned about MRT, MRT already began their operation?

But but.. if lazy.. (guys without taste buds & time):

Lazy Office lunch:
1. Carbo: Whole meal / full grain bread OR cook 5 days worth of brown rice & pack into 5 containers, freeze them.
2. Protein: Hard boiled eggs (5 days worth, chuck in fridge when boiled - nature's packed fast food ) or cheese
3. Fibre & enzymes: 2 helpings of different fruits (another of nature's fast food)

Lazy Dinner:
1. Carbo: Brown rice pre-cooked as above & frozen OR spaghetti/noodles
2. Protein: Dory fish 1 slab or chicken fillet or eggs (switch around)
3. Fibre: Frozen veggie or veggie from garden (yes i have a huge garden of "Taiwan choy" but gotta pluck lar )
Throw all into a pot, cook & eat out of pot. Only need to wash pot + fork 

Saves $, time & healthy enough.

Hi all, currently ptptn is offering 20% discount for settlement. I still have 18k balance. My company can offer personal loan 20k with 4% interest monthly rest.

settle ptptn : save 3.8k (pay14+k)
total max interest for 3 years for 15k : 1.2k

another 5k, dunno what to do yet.

Can work?