2) SGD lo.. walao if convert become RM5++ sakit hati
3)
6) I cannot drink, 1 sip is all it takes to make my face n body becomes red devil. Then again, smoke smell, overcrowded people, loud music.. come out already 1/2 pekak. Price also expensive

My opinion in saving money.

Once salary out, save 40% of it into the bank acc which is untouchable.

Die die spend within the 60% in that month. If there is a will there would be a way.

But yea, my method would be save first before you spend anything. Instead of spend first and save whatever leftover later. MEH.

Confirmed monk!

better save than sorry later..be moderate..

Make sure you save for the emergency fund first no matter how!

The rule to save alot :

1) Save Minimum 70% into savings account
2) 10% Entertainment
3) 20% Food & Transport

70% into saving? You must be kidding unless you have no commitments on any loan.

No need to give parents allowance?

If u earn RM5K u can use 20% for food and transport. But if someone is earning RM2K and u expect him to use 20%...

The rule applies to, even you earn RM 1000, save 70% and the remaining 30% is used for food & transport, if not enough, take the required balance from 70%

thx for sharing

No need gua?
Just as a mental masturbation excercise ,
Save 10% of gross salary from your net cash (on top of EPF savings lar) cukup for simple life.
If have grander ideas or children, 20% of gross salary from your net cash (on top of EPF savings lar) can do gua.

Editable version:
https://docs.google.com/spreadsheet/ccc?key...RWc&usp=sharing

Original version (uneditable) - for reference in case some folks totally screwed up the original:
https://docs.google.com/spreadsheet/ccc?key...bUE&usp=sharing

Please note - my GoogleDocs Spreadsheet is a bit stiff, this is my first time doing something "semi-complicated" using it.

er.. side Q - can anyone share/teach how to protect ALL CELLS & make certain cells editable by all in GoogleDocs' Spreasheet? Trying to convert all my Excels but GoogleDocs' Spreadsheet is...

This post has been edited by wongmunkeong: Mar 10 2013, 10:48 PM

wong Seafood, use "Protect Sheet" function

Thanks Pink - but i want to make them YELLOW CELLS editable wor (to all with the link, needn't log in).
What "combination" needed ar?
eg.
1. Protect Sheet
2. Highlight cells to "unprotect" and unprotect?
heheh - can't seem to do that like MS Excel (either that or i need zzz and coffee )

I m on mobile now, hard to explain in detail. Basically u protect d sheet, then allow certain parts to be editable with a password. Just put a simple password like 000 lo. another password to unlock whole sheet

er.. bro.. on GoogleDocs' Spreadsheet wor? Got ar? Cool.
I await thee - thanks for letting me pick ye brains