QUOTE(syirbiznatch @ Oct 15 2017, 07:36 PM)
First thing first, cut off unnecessary spending.
- Rent room instead of house
- Prioritize your debt. Don't need to pay 1,000 if u can only manage to pay minimum rate (I suppose personal loan, credit card)
- Diversify ur transport method. Uber/grab vs self drive
- No cinema, no fancy food just cook urself and look for free food in any event
When you have mentality of joining gov to get more loan, u better stay at current place to avoid u doing so
Thanks for your opinion and suggestion, let me explain a little bit about my background base on your listed suggestion.
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Rent room instead of house= I already married, and my wife from Kuching. I'm from Kedah working at Selangor. We need to rent a house because of parent always come to our house, furthermore I have 2 sister in laws study here and they sometime spend their weekend here. Alhamdulillah, next year will be 3 of us, my wife now , 3 month pregnant already. I try to find the lowest house rent, currently rent Rm750/month for apartment.
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Prioritize your debt. Don't need to pay 1,000 if u can only manage to pay minimum rate (I suppose personal loan, credit card)= I don't have any cc, I don't have any loan, I just pay my PTPTN, house rent, and ASB. I give money to my wife for car, toll, gas..I do the car maintenance oil service, tire change. I try as possible to cut all cost and unnecessary things.
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Diversify ur transport method. Uber/grab vs self drive= I go to work by motorbike and my wife drive to work but her office just near. My home to office around 45 minute, so ride a motorbike is a best option.
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No cinema, no fancy food just cook urself and look for free food in any event= Everyday, I go to work bring tapaw food. After married we rarely eat outside, we will go eat outside if our family come. I never buy new cloths after so many years, just my wife buy for me a few when Hari Raya. After married, we never go to honeymoon yet.
As you can see here, I'm doing any possibilities to cut off my spending. Everyday I will reduce any cost living, this year we only go to cinema 1 times only that also because of my in-laws family come. I working at industry manufacturing at shah alam. My salary not enough with current economy to survive. If join government agencies, if I'm not able to buy house at least they provide house for government staff or maybe house allowance.
This post has been edited by Belloyat: Oct 16 2017, 09:51 AM