Hey guys ,

I'm 30 this year and to be honest, i haven't really consider planning my financials properly until i made some financial mistakes that set me back. I'm thinking on how could i plan and invest with my current situation:

Pay (plus allowances) - 6600
After deduction of EPF + Taxes - Rm5000 (5k + but round it down)

Bills that i gotta pay :

Study loan - 400 (ending in 2014)
Mom - 10% so 600
Car - 860 ending 2017 (one of my many errors)
Insurance - 250

Totalling - 2110
Petrol/Tolls/Food hits me at rm1500 (lower most of the time but i take my max )

Minus entertainment and everything i have a surplus of RM1000 monthly.

I'm thinking of getting a house but the current market doesn't leave me with much choices.

Other than that , what would you do with the extra surplus ?