Outline ·
[ Standard ] ·
Linear+
gaji 14k with this expenses ok or not?
|
lonelytraveller
|
 Jul 4 2013, 01:55 PM
|
New Member
|
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? what are you using the saved money for? if your returns is less than the interest you have to pay for housing loan, you might as well dump back into the housing loan no point to save separately but to dump back the money into a flexi housing loan. so when you need the money you can withdraw back |
|
|
|
|
|
SUSash tray
|
Jul 4 2013, 01:55 PM
|
New Member
|
QUOTE(foolc @ Jul 4 2013, 02:46 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? cut down on food and other expenses, sell the 2nd house for a profit |
|
|
|
|
|
ADVAN
|
Jul 4 2013, 01:55 PM
|
|
|
QUOTE(foolc @ Jul 4 2013, 01:54 PM) get another few more wife. good mang like that  |
|
|
|
|
|
TSfoolc
|
Jul 4 2013, 01:57 PM
|
Getting Started
|
QUOTE(ash tray @ Jul 4 2013, 01:55 PM) cut down on food and other expenses, sell the 2nd house for a profit sell but then do what with money? better keep the house for copital appreeciation rite? sicne can save rm4k per mont somemroe bonus not included about rm40k++ per year |
|
|
|
|
|
SUSash tray
|
Jul 4 2013, 01:58 PM
|
New Member
|
QUOTE(foolc @ Jul 4 2013, 02:57 PM) sell but then do what with money? better keep the house for copital appreeciation rite? sicne can save rm4k per mont somemroe bonus not included about rm40k++ per year wait bubble gonna burst soon after bubble burst, go buy a larger, cheaper house |
|
|
|
|
|
sovietmah
|
Jul 4 2013, 01:58 PM
|
|
|
QUOTE(foolc @ Jul 4 2013, 01:57 PM) sell but then do what with money? better keep the house for copital appreeciation rite? sicne can save rm4k per mont somemroe bonus not included about rm40k++ per year i envy |
|
|
|
|
|
frequency
|
Jul 4 2013, 01:59 PM
|
|
|
butt hurt liao
|
|
|
|
|
|
ed0gawa
|
Jul 4 2013, 02:00 PM
|
|
|
wa basic 4k
house loan 2.9k
car 700
credit card 1-2k
food 1-2k
drink 1-2k
travel, jln jln, main main 1k
ok what.. still alive
This post has been edited by ed0gawa: Jul 4 2013, 02:01 PM
|
|
|
|
|
|
TSfoolc
|
Jul 4 2013, 02:00 PM
|
Getting Started
|
QUOTE(lonelytraveller @ Jul 4 2013, 01:55 PM) what are you using the saved money for? if your returns is less than the interest you have to pay for housing loan, you might as well dump back into the housing loan no point to save separately but to dump back the money into a flexi housing loan. so when you need the money you can withdraw back yap extra dump into hosue loan now .. but not full flexi.. semi flexi PB when wan withdraw, have to pay rm50 |
|
|
|
|
|
adriankhoo153
|
Jul 4 2013, 02:01 PM
|
|
|
Drill of your pay cheque plox... 1400 tak sampai cakap 14k..
|
|
|
|
|
|
tension_fedup
|
Jul 4 2013, 02:01 PM
|
Getting Started
|
Work as what gaji 14k??
|
|
|
|
|
|
jinggothegreat
|
Jul 4 2013, 02:01 PM
|
|
|
QUOTE(ryanliew87 @ Jul 4 2013, 01:49 PM) this |
|
|
|
|
|
napoli26
|
Jul 4 2013, 02:01 PM
|
|
|
car proton iswara sports turbo  |
|
|
|
|
|
TSfoolc
|
Jul 4 2013, 02:02 PM
|
Getting Started
|
QUOTE(tension_fedup @ Jul 4 2013, 02:01 PM) senior it engineer |
|
|
|
|
|
s[H]sIkuA
|
Jul 4 2013, 02:02 PM
|
|
|
Lol you save majority of /k/tard monthly pay liao
|
|
|
|
|
|
junbecks
|
Jul 4 2013, 02:03 PM
|
Getting Started
|
gaji 14k,
but asking advice from kopitiam. seems legit.
|
|
|
|
|
|
lonelytraveller
|
Jul 4 2013, 02:03 PM
|
New Member
|
QUOTE(foolc @ Jul 4 2013, 01:57 PM) sell but then do what with money? better keep the house for copital appreeciation rite? sicne can save rm4k per mont somemroe bonus not included about rm40k++ per year how much is your cash in hand? you should be able to sustain at least 6 months of house installments for both houses at your age.. i think should be around 100k at least of buffer cash |
|
|
|
|
|
TheEvilMan
|
Jul 4 2013, 02:04 PM
|
|
|
just use the remaining 4k to lure girl for nekkid hotel photo
|
|
|
|
|
|
TSfoolc
|
Jul 4 2013, 02:05 PM
|
Getting Started
|
actually if plus bonus all, its about rm7k saving i can make per month
think wan buy another property but dont want tie up with so many loan.
so i just dump money in existing property reduce interest. unless got new amanah saham cina launched
new car also dun wan since i drive only nearby in penang island. from bayan baru to intel.
car is a liability and i no intersted fancy car
|
|
|
|
|
|
TSfoolc
|
Jul 4 2013, 02:06 PM
|
Getting Started
|
QUOTE(lonelytraveller @ Jul 4 2013, 02:03 PM) how much is your cash in hand? you should be able to sustain at least 6 months of house installments for both houses at your age.. i think should be around 100k at least of buffer cash got some 70k in asm got excess payment paid into housing loan rm100k |
|
|
|
|
Quote
0.0228sec
0.70
5 queries
GZIP Disabled