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> gaji 14k with this expenses ok or not?

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TSfoolc
post Jul 4 2013, 03:24 PM

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i was born from a poor family

my dad the sole support for family, mom me n bro + grandma

we only have bread + kaya for dinner ans sometimes lunch

as a chinese educated we learned a lot on how to live in less expenses and avoid showing off

life was hard for us when small until even in uni
in uni, all those with new hp.cars n so on show offs
i have to used only one pair of jeans the entire 4 yrs of study

at least now i have accomplished something my parents r proud off

i even can send them for holidays to korea
cloudwan0
post Jul 4 2013, 03:25 PM

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QUOTE(foolc @ Jul 4 2013, 03:20 PM)
meaning your wife dont pay anything?

what kind wife is this?

what she do with her money?
*
she only kick in when my salary become 0.
she keep the money
TSfoolc
post Jul 4 2013, 03:25 PM

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QUOTE(kopiPeng @ Jul 4 2013, 03:22 PM)
Gaji 14k.

Take home 10500. Mana 3500 pigi??  brows.gif
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tax
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kopiPeng
post Jul 4 2013, 03:29 PM

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QUOTE(foolc @ Jul 4 2013, 03:24 PM)
i was born from a poor family

my dad the sole support for family, mom me n bro + grandma

we only have bread + kaya for dinner ans sometimes lunch

as a chinese educated we learned a lot on how to live in less expenses and avoid showing off

life was hard for us when small until even in uni
in uni, all those with new hp.cars n so on show offs
i have to used only one pair of jeans the entire 4 yrs of study

at least now i have accomplished something my parents r proud off

i even can send them for holidays to korea
*
Great! Glad to know that. You earn good amount of money now. Its time to buy some books learn more about investment and financial management to increase your wealth. So that your next generation wont so suffer like you.

Best Luck Bro! thumbup.gif
selenium
post Jul 4 2013, 03:30 PM

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QUOTE(foolc @ Jul 4 2013, 01:46 PM)
gaji  14k

take home rm10500
house loan rm2500

food expenses rm1000

other expenses rm1000

house 2 loan rm2000 (under contruction)

saving pm = rm4000

car proton iswara sports turbo = fully paid off

so ok boh?
continue just save rm4k consider ok or not?
*
ok ok la... my gaji 22 k also almost the same
TSfoolc
post Jul 4 2013, 03:30 PM

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QUOTE(cloudwan0 @ Jul 4 2013, 03:25 PM)
she only kick in when my salary become 0.
she keep the money
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modern type wife?


TSfoolc
post Jul 4 2013, 03:31 PM

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QUOTE(selenium @ Jul 4 2013, 03:30 PM)
ok ok la... my gaji 22 k also almost the same
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deputy director?
stinger82
post Jul 4 2013, 03:32 PM

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I loled at ppl trying to teach ts to invest/save/comment on 1k food expenses/butthurt when

They themselves are making less/way way lesser than ts.
Selectt
post Jul 4 2013, 03:41 PM

wattttt!!
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QUOTE(foolc @ Jul 4 2013, 02:57 PM)
if i dont make this sacrafice last 10 years ago (age that time 25yrs old) and keep changing my car, say that time a vios, i would not have 2 houses now@ or even not even 1... maybe  just a cheap apartment. that time salary also was low... start rm3500 then naik naik naik naik

if 5 yrs ago also i plan change new car, cannot afford the 2nd house also
if now i buy new car, again have to pay installments rm1500 say for honda accord + maintenance all... my monthly saving will go down badly and car price also drop
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ya respect you for saving and tahan the temptation. but for a person who earns rm10k net, i think it is time to get a new car.. at least a vios/city? sweat.gif saga is too low for ur standard. By your level should be accord or bmw 3 series.
TSfoolc
post Jul 4 2013, 03:43 PM

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drive 3 series , after get robbed like one engineer in my office
levich
post Jul 4 2013, 03:43 PM

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get a better car dude...nanti the um no building collapsed, I rather die in a MyVi S series also dont want to die in a iswara...
TSfoolc
post Jul 4 2013, 03:46 PM

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so plus my bonus

i get to save rm4k x 12 + rm40k(depending on performance)

rm88k per year

save 3 years get rm264k (expect rm300k)

than i will be 38 yrs old. maybe that time i can start invest the extra money per month since the saving should be more than enuff
Selectt
post Jul 4 2013, 03:49 PM

wattttt!!
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QUOTE(foolc @ Jul 4 2013, 03:43 PM)
drive 3 series , after get robbed like one engineer in my office
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haha.. gotta admit 3 series do attract robbers. how abt golf, 1 series, accord, mazda 6.

10k net for proton saga? comon laugh.gif

being so thrift... how do u treat ur wife btw?
lonelytraveller
post Jul 4 2013, 03:50 PM

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you got health+life insurance included already? should be min 1mil coverage

no, i don't sell insurance
TSfoolc
post Jul 4 2013, 03:55 PM

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i am sure many earn more than me

i dont have mba so my salary is stuck compared to my other senior

almost rm18k


dont have the intention to study anymore...

SUSleechers
post Jul 4 2013, 03:55 PM

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I rasa u tipu.

Normally people will settle for high end car. Even rm3k pun sudah beli honda city.

Dun bluff la kawan
TSfoolc
post Jul 4 2013, 03:58 PM

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QUOTE(leechers @ Jul 4 2013, 03:55 PM)
I rasa u tipu.

Normally people will settle for high end car. Even rm3k pun sudah beli honda city.

Dun bluff la kawan
*
thank paying a car loan, i can drive my wife in my iswara turbo sports to haatyai n have a good massage + seafood

better to enjoy life than stuck in car loan

and there is nothing great in a honda city

i rather get a saga flx

This post has been edited by foolc: Jul 4 2013, 04:00 PM
limks123
post Jul 4 2013, 04:05 PM

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Good saving.... indeed

I'm single
Nett income 10k - 11k per mth but presently no saving.

Paying loan for 2 houses + 2 cars (1 car for my dad + 1 for myself).

Recently just moved into new house + renovation (finished all my saving)...
Must learn from TS (Salute), good saving skill (RM4k)
zarakiken
post Jul 4 2013, 04:05 PM

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From: Somewhere in Nendoroidian land...
oh wow... in /k everyone gaji is god like... lol...
TSfoolc
post Jul 4 2013, 04:06 PM

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QUOTE(limks123 @ Jul 4 2013, 04:05 PM)
Good saving.... indeed

I'm single
Nett income 10k - 11k per mth but presently no saving.

Paying loan for 2 houses + 2 cars (1 car for my dad + 1 for myself).

Recently just moved into new house + renovation (finished all my saving)...
Must learn from TS (Salute), good saving skill (RM4k)
*
how old r u?

yes
renovation is the main killer that will drain out all your savings

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