Extra coz i want to buy a bike.

Around 25% drop before. So yeah 
Hence the question low to medium risk

All,
Need your help/advice.

I'm single 24 with monthly pay of 3.7k + OT = 4.1k. These are rough estimation of my expenses

Expenses:
1. Rent + bills: 280
2. Car: 990 + another 7years
3. Foods & stuff: 300
4. Celcom: 68
5. Pcb : 130

Investment:
6. Epf: 396
7. Gold: 100
8. Stashaway: 500
9. P2P (planning): 200
10. ASB (planning to use saving): 14k
11. Fundsupermart (planning): 300

Just starting to invest this mid-year.  Made a bad decision on buying car
Can help?

I think 14k?

14k easy to get? U mean like getting the open fixed priced fund?

Ya, if bumi then take loan. But his commitment damn high now becoz of the car. 1/4 of his salary went to car...

Market price for it now was around 68 - 73k and the settlement amount now was 73k. I asked the bank yesterday lol. What do you think?

But if i sell it, i can use the money for other stuff and get a car for half the commitment. Am i right?

Long distance driving weekly and much longer distance monthly. Like Kedah -> KL or Kedah -> Kelantan.
......

.....
Total saving : 168Grand

I seek you guys advice on what should I do with the 168k in my saving account. I'm planning to close 200k end of this year. Your insights much appreciated.

Hi guys, I'm 21 working in singapore & single right now. (non bumi) Please take a look at my monthly cash flow and financial information to advice better suggestions if possible.

Income :
Salary - RM 5950

Investment:
Stashaway    - RM 2100

...........

me 28yo single cant manage stress so i always save money for bad times。。。

i plan to buy house max rm300k 2 years later and wanna settle house loan within 10years。borrow 200k
Dp100k instalment 2k per month assume interest rate 4%.

salary after deductions 3.5k
manage to save 1k per month
now got 50k fd + share ut around 80k

currently rent room rm350, 2 years later car loan will fully settled so will extra 500 per month， continue my current lifestyle that make me save 1k,850 if i stop renting and stay own house， 2 yrs later i will have at least 1.8k per month. Plus increment n promotion i think 2 years later is workable...

Is my plan stupid?

hi, my salary is at fixed at rm4350.

my commitments

House : RM800 (increase rm200 every 2 years, max at rm1600 p.m.)

fuel : RM230 roughly
insurance : RM230 p.m.
car : kenari - paid off
parent : rm200
food : rm500
wife : rm300
asb : rm1050
internet & mobile hp: rm200
eletricty & water : rm200

savings at tabung haji : 70k (planning to transfer to asb)

Hi All. I have been following this thread for sometime now.
Would appreciate greatly if I can get some advise on achieving my financial goals (get a car, married and own house to stay).

28 years old
Nett Pay: RM6,400
Other Income from Rental: RM 1,500
(Own 2 properties - low cost flat renting for RM 500, condo renting for RM 1,000)

Monthly Expense -
Property Loan: RM 3,500
Parents: RM 500
Food: RM 850
Petrol: RM 150
Insurance: RM 500
Misc. (Travelling, Yumcha/Alcohol etc.): RM 1,000

Savings: RM1,400 a month roughly

Investment Portfolio: 20k in stocks, 20k Cash as backup, Fully paid off low cost flat worth 120k, EPF 100k

A brief summary of myself. Working in MNCs for the past 6 years and still living with parents.
I am currently in a relationship which explains why there is some travelling and higher than usual food cost.
Owned an old car for more than 10 years fully paid for, breakdown occasionally and planning to get a new car soon.

Had ventured into multiple "investments" that you can think of: stocks, FX trading, FD, MLM, properties, unit trusts and even some gambling activities, as I was willing to take huge risks since I was young at that time.
Only get burnt from these so called "investments" and the only 1 out of those that help generate some money is properties due to rental collection and even then I regret in purchasing a condo that is really far away and only get little rental yield from that.
Still losing money from stocks but planning to diversify my portfolio.

Planning to get married soon and I am worried that I will fall further into debt after getting a new car. Might even delay few years in getting a new place to stay even.
Having high salary increment/promotion could be difficult, as my company struggling in this current economic climate. Might even considered to move on to increase my pay.

Would really appreciate your thoughts/advise on how I can improve my own financial management.

Thank you.

the house around RM 250K to 275K max, i maybe will buy it cash. Since my salary kinda low and my monthly commitment almost same with my salary 

Side income its 30K per month. Maybe if like that will settle down my car loan left around RM 33K only. Free the monthly cash flow.

yup, but its not easy to be there. must always think and planning for future outcome. 

Age: 24 years old
Nett Pay: RM40000-RM50000+

Monthly Expenses:
Food: RM1000
Petrol: RM400
Phone bills: RM200
Car: Parents paid off for me during university days.

Savings per month - I invest roughly RM20k+ every month while keeping the rest
20k x 12mths = RM240k

ASNB - RM50k
Cash - RM123k
Stashaway - RM13k
FD - RM10k
EPF - RM80k
Stocks - RM120k
Bitcoin - RM80k
current total asset = RM476k

Recently, my business has been blooming and I hope I can find other sort of income. Is it advisable to be adding property in my portfolio in 1-2 year time? I’ll still be adding more into my stocks portfolio from my business income

My financial goal is to have at least a million before 30 😂

This economy crisis might bust out my business if I’m not careful. So it’s best for me to find multiple streams of income via dividends from stocks or rental payment from tenants.

Advisable for me to be investing in properties during times of recession to gain another stream of income? (Rental payments)

Currently I made a loss of RM20k from stocks itself. (GENM & Maybank dropped badly  )
Looking to add more money into Maybank 

...........
Age: 26
Nett Pay: 4700

Monthly Expenses:
2,700

Monthly savings: 2,000

Savings/Assets:
1. FD 10k
2. Rakuten 13k
3. PRS 5k (Topping up 2k yearly for income tax relief)
4. ASM 26k
5. OCBC 360 70k
6. EPF 49k
Total Assets: 173k
........
OCBC 360 was great as i manage to hit the high interest rate monthly, but now its only 2.6% pa so i've been looking at other high yield interest saving account option.
Also, I'm interested in investing in robo-adviser (Wahed or stashaway) for perhaps 10% of my savings and with aggresive portfolio since ive been doing rather low-risk investment.

Ive actually achieved my financial goal already (for this age), just trying to diversify more on the investments and learn more as there's so many diff type of investments now.

Kindly give me any advice, thanks all in advance~