Nov 20 2012, 05:03 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..
Remove/reduce unproductive loans (car loan, personal loan, cc, outside loan). For example car loan needs to be reduced significantly and perhaps add asset such as house loan (300 car loan, 600 house loan). House loan can be refinanced later to reduce/remove other loans such as cc, personal loan and outside 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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