Car is the worst spending and one of biggest culprit why people have not enough money left each month.

save for a few years so you can pay it down in 5 years. btw, just a quick reminder. don't make the mistake of thinking you can squeeze your monthly income for your monthly installments. It has a whole lot more dan lain-lain.

cheapest viva DP 10% then stretch to 11 years. no choice, want cheap monthly means pay more long term. easiest to afford since a few months work would be enough for the DP, then every month allocate about 10% - 15% for the installment.

Can't agree more. With 1.8k salary try to stretch longer.
Well do you need the transportation? if yes then you got no choice. I will definitely take a 9 or 11 years loan if i'm in your shoe. Myself wanted to get a motor as well but looking at the accident rate recently and because im travelling on highway DAILY from Klang to Cyber.. i see alot of those who ride motor was lying on the road recently        Don't dare to get anymore.

Just my opinion, those involved in accident, some are those too confident about themself. No matter how good is your skill, u will never know where are the reckless and speedy driver out there.

I have seen a video that the motorcyclist got hit by truck driver and ram over then he become those dead dog/cat that sometimes we can see on the road, only his head can see seen clearly. I'll show u the clip if I can find.

Bro most of the accident i see it was not caused by the carelessness of the motorcyclist le. On Elite highway back to Klang. i saw a total of 3 accidents.
1st) the lorry rammed over the motorcycle. fxxking gross! whole road with blood the guy covered with black plastic on top already...
2nd) i think fast lorry past by or something the guy lye on the floor at the bahu jalan. Motor already terkandas at the bahu jalan. To be honest i can only pray for him.
3rd) because of 1 stupid blardy gen2! i can still remember! he keep flashing light behind of me despite i was driving 120km/h then he pandai pandai cut from fast lane to 2nd lane then to 1st lane.. overtake here and there. Near the toll after Setia Alam i saw his car already bank the divider but got one poor innocent motorcyclist lying on the 2nd lane. Seems like when the car lose control most probably pusing pusing and langgar into the divider in 1st lane causing the motorcyclist to crash and somehow he landed in the middle of the road unconcious.

*Most of the Motor accident i see were not caused by the motorcyclist, it's those car/lorry driver who drive damn freaking fast on a highway.
*this all happen in 5 months time. I wonder how many more did happen when i was not driving on the road...

---

Added on December 7, 2010, 10:07 pm

Did that happen near the Mines? I get to see one clip too which happen in The Mines not far away, the lorry just ram over the motor and drag the body for more than 100 meters! that one is confirm mati!

ins for installment

---

Added on December 13, 2010, 9:45 am
try to save enough savings equivalent to your 6 months total salary 1st, then only think about buying your first car.

which means if you bank dont have RM10800 cash in your bank as emergency fund now dont even think of buying yet.

---

Added on December 13, 2010, 9:49 am
I have been living my life without insurance...I am 26...the only son...

share my current status. i wan more money!!!

here is the +++ plus
salary 3k+-
side income 500+-
i rent my house to ppl 550

here is the -- minus...
car loan 872
house loan 570
give mom 500
credit card monthly about 200-350
play kutu monthly 300 tat means every 5 month i will get extra +1200
saving fixed 500 monthly

here is the plus or minus...
gambling spend monthly about 500+-
sometimes win sometimes lose...

any idea make it better?

Personal financial management becomes Personal financial income report

You could start with 'Rich Dad Poor Dad'. Good personal finance book for starter.