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 Personal financial management, V2

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pesona3F
post Dec 15 2012, 06:00 PM

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need advise as this will be my first salary... so need to have a good start..

just start working in government. salary per month is rm 3700.

payment for my motorcycle = rm 230/month (still got 1 year left)
payment for fuel = rm350/month
food + etc = rm 300

this is my current way of using money...

i plan to upgrade my bike due to my workplace is far ( 80km one way).. maybe cost about 24k
secondly, i need plan to have family in 1 year and half or 2 year

any recommandation?? i plan to have some investment also but still not sure which is better
pesona3F
post Jan 20 2013, 08:43 AM

Getting Started
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Junior Member
133 posts

Joined: Jun 2008
Hi all, I got one problem here... I just work in gov and earn 3.6k after deduct epf..
Now I'm using my bike to go to work to reduce cost.. fuel and toll and time also..
Now I need to repair my bike..the question is, should I just repair my bike which cost around 5k or by a new bike with higher cc... My bike still got hutang 2.5k with shop.. repair cost about 3k.. then 2k for accessory.. will do this in 5 month..
Or should I clear my hutang and trade with new bike.. trade my bike will get around 4k or 5k and new bike cost 17k.. really need an oppinion from you all
pesona3F
post Jan 20 2013, 12:31 PM

Getting Started
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Junior Member
133 posts

Joined: Jun 2008
I'm using fz150 only.. not sbk.. if sbk, botak already.. fuel comsumtion is .ok, rm10 for 180km per day . Cruise at 120km/h.. its just engine already wear out soneed to do overhaul already.. estimate repair cost about 3k maximum.. this my first time send my bike for full overhaul

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