Hi Im a Diploma student from KDU, just graduated and now working as a chef in restaurant.I am earning about 1300+ after all the deduction of SOCSO and others, the problem with me is that I hardly keep track on my bank account because I know every time I go to atm i know there's money.In my line, I hardly go out  lepak with my friends due to my working hour (3pm-1am)...feeling not satisfy i will always buy myself beers as reward for myself, and also spend a lot on my gf and also stuff like computer thingy. Its really hard for me to save.

I've been a very bad boy (financially) this year. I've spent a lot on electronics and gadgets, I think around RM8,000 on phones and a laptop. Really need to curb my expenditure. Last time I didn't give a damn about phones. Used to use the same one for 4 years or 2 years at least. Now I like to keep trying out new phones.

I hope I can at least stop myself buying any more fancy electronics until next year. 

hi people, wanna ask ur opinion here.

if in my case- i have 30k in account
im 23, still studying and will grad after a year.
i've no debt and no anything on me.

what im asking here is,
what u people will do with such amount of money?

im thinking of investing but i know nothing on it plus im still not working and dont have monthly income.

any serious opinion?

Almost the end of the year.

Was actually targeting to save RM10,000.00 this year but I end up with RM20,000.00 cash.

I spent on what I need but heck, I have additional funds!

Have only 1 loan which is PTPTN.

Am I in good shape?

well done..
now go buy a property! invest!

I have a friend who earns only aroumd rm1500 per month. But i admire him, can still survive each month in k.l. He spends:
fixed expenses
rent:rm250
bike installment:rm250
car ins. (share with his bro uses only on weekend:rm250
edu loan:rm300

the balance is for meal and savings. He's very stingy type person but i still admire him

He's a diploma holder working with TM. @yhtan, it's a car installment. Sorry, i was having dificulties in typing with my hp.

Yes, if one could afford it, no problem.
or
can get a second hand Kancil, which cost no more than 10-12k.

Just throwing some option.
Yes, in Penang, Motorbike has little problem vs KL.

Life is full of risk everywhere.
Yes, risk of motorbike accident is high and can kill, so does car as well.
Driving a car won't save a person from fatal accident as well.

Life is never perfect. It is about give and take.
I won't disagree for safety reason, get a car as compared to motorbike.

It is about how individual balance their life with available disposal income.
As I had seen many had spent beyond their ability in the first place.
Just graduated, with less than 2K income, then must/think to buy a 50-60K new car

Hello all,

Maybe this is my first step into managing my money because before this I didn't save any money from my monthly salary.

I just turn 23yo this year and my monthly salary around RM2.2k
Maybe I can list down some details below for you guys to refer:

Salary : RM2.2k
Commitment : RM500-600 (for now, may increase later on)
Loan : PTPTN loan RM15k
Food : RM400
Petrol/Phone : RM150 (no car)
Entertainment: RM100
Others : RM200
Self Development : RM350

Commitment towards family, I help settle all monthly bills and maybe house rent later.

But I feel so burden because I don't have any saving, no car, no house. I also don't have ASB saving

Please enlighten me. TQ