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 Personal financial management, V2

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patrickthissen
post Oct 27 2012, 12:04 PM

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Joined: Feb 2012
Hi, I am fresh graduate who just started work 3 months ago,

Here's my information:
Monthly salary = RM2800
After EPF deduction = RM 2492
Staying with family, using family car.
No house loan and car loan.

Saving=RM 500 (Cannot spend it no matter what for current stage)
Family support= RM 800 (Dad passed away, mainly for house electricity, water, emergency use etc)
Insurance = RM250
Petrol = RM250
Food =RM200 (Breakfast, lunch or sometimes OT dinner)
Entertainment = RM200 (Dating with gf, normal food, hang out with friends)
PTPTN loan = RM200 (Not yet start pay, plan to pay this amount, Loan needed to pay is RM 28k exclude interest)

Estimate monthly left =RM 92

Currently using my sister's car, and sister using her husband's car since her husband work in oversea.
In case her husband come back next year, this means that I need to buy a car to go to work.
Plan to buy 2nd hand car.

After buy car, I cannot save RM 500 per month d.

So, any sifu give me some opinion and suggestion how to manage my finanicial?

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