I'm bad in managing my finances in my early 20's as I got blacklisted for credit card usage when I'm 24. Soon after that I enroll myself with AKPK. I'm now 28 and single and wanted to start a family next year. Now I'm trying to save money but most of the time I bought stupid stuff which is not needed (alot of shoes, football kits, etc.). End of the month I left with only RM100-200 to save and some months there is none. I don't want to be in a family that is full of debt that will break the marriage. I don't want to be that guy. My target by end of this year I must have at least RM15K in savings. Most of my savings I pumped it into long term investment. I really needed an advice/opinion/recommendations. Below is my monthly fixed deduction.


Income:

RM2500 average after EPF deduction.

Expenses:

AKPK : RM200
Astro : RM141
Insurance : RM150
Utilities : RM70
Food : RM700 (I don't know how to cook. Mostly eating out.)
Transport : RM50 (I only have a motorcycle which already fully paid.)
Entertainment : RM300
Phone Bill : RM80

Assets/Savings:

- No cash savings as I'm afraid I will spend it.
- Currently RM4000 saved under bank islam investment account slip. RM1000 for 3 month duration and RM3000 for 12 month duration.
- Unit Trust deduction every 3 months from EPF.

Thanks wongmunkeong & zenwell for waking me up. I felt so stupid when I think back what I've done before and my current situation. I think I will cut half of my entertainment expenses and limit my spending on food. As of my Astro subscription, I will limit the channels that I subscribe. I will update both of you maybe by end of this year so that I thank both of you again if I succeed.