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Personal financial management, V2
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mnhma
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 Oct 3 2010, 12:22 AM
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Getting Started
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Guys. My monthly expenses:
Fixed:
Car Loan: RM470
House Rent: RM260
Credit Card Installment: RM350 (5 months left)
Phone Bill: RM50
Total: RM1150
Variable:
Parking: RM50
Petrol car/bike: RM200
Food and everyday's expenses: RM750
Public Transportation: RM100
Total: RM1100
I am 25. Earn about RM2200 per month. Don't drive cars too much as i have bike but i think i'm going to take public transportation for a while now. The problem is there is so many unexpected things happened, and i have no savings and i have just settled down my personal loan lately and want to begin to save now. No more personal loan and credit card usage for me after this, regret so much. In the near future, my monthly expenses will change because of further study in Degree as a part timer soon.
Fixed:
Car Loan: RM470
House Rent: RM260
Education loan: RM450
Phone Bill: RM50
Total: RM1250
Variable:
Parking: RM50
Petrol car/bike: RM200
Food and everyday's expenses: RM750
Public Transportation: RM100
Total: RM1100
What should i do guys? Where should i cut the expense?
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mnhma
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May 7 2011, 10:29 PM
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Getting Started
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Well, i think i'm a bit late for my future planning. At age 26, no savings at all, quit my job on last Sept and gonna work again starting next monday with RM2k salary. And i have to travel far from home to Cyberjaya daily. Am single, not staying with family (renting), work Mon - Fri, 8.30 am - 5.30pm EPF: 220 Rental: 250 Car: 450 Toll MEX Highway - RM3 return x 22 days working = 70 Phone: 30 Petrol: RM200 - RM250 (I'm uncertain of this) Daily Meal - RM450 (please teach me how to set budget RM300 per month) Education Loan: RM50 Balance only RM230.  |
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mnhma
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Mar 7 2012, 11:56 AM
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Getting Started
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QUOTE(perspex @ Mar 5 2012, 12:14 PM) hi there, i would like to give you a suggestion that take a saving plan from insurance company especially for you at aged 25. With the return is slightly higher than you put in bank and easy to withdraw out. You can contact me for more info if you are keen. QUOTE(kinwing @ Mar 6 2012, 12:22 PM) Why you are digging old topic? By the way, I hope you are not an insurance agent trying hard to promote your products here. lol that was my 2010's post. thins have changed. i postponed my plan to continue my study maybe to next year as i will get married at the end of this year. Let's revise my expenses in 2010: QUOTE Fixed:
Car Loan: RM470 ---> i only found out that i only have to pay for RM450 lol
House Rent: RM260 ---> RM300 (work in Cyberjaya now i rent a master bedroom which is way bigger than my previous room lol)
Education loan: RM450 --> only RM100
Phone Bill: RM50
Variable:
Parking: RM50 ---> free parking now
Petrol car/bike: RM200 --->RM150 for petrol as i travel; only 10km from home to workplace
Food and everyday's expenses: RM750 ---> i cut down to only RM300
Public Transportation: RM100 ---> no need  This post has been edited by mnhma: Mar 7 2012, 11:57 AM |
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