Hi all, I was wondering if anyone can help us to further save more and maybe earn more

Husband and i both 32 years old, SPM and working in Private Sector.
I work in finance sector, non bank
Husband work in property sector.

Breakdown

My Salary - 3968.1 (after deduction)
Husband salary - 2472.25 (after deduction)

Monthly deduction
Car - 471 (Axia, 7 year loan, ending March 2023)
Phone bills - 250.16‬ (combined)
Internet -147.34 (no choice, only Time in the place im renting,and i signup before they changed the package pricing  )
PTPTN -101.07
PL loan -382.53‬ (4 more years left, ending May 2024)
Rent  -1100
Insurance -221.7
NETFLIX -51
Spotify -22.9
Allowance -1300
Groceries -300
Wahed - 200 (total invest atm 600)
SAMY  - 300 (total invest atm 760)
Variable - 300 (for others such as, shopping, leisure etc)
Bal : 1,292.66‬

Cash in hand currently 7,662.85‬ (6k will put in ASB soon, the rest for emergency cash..currently only RM100 there, no loan)
My KWSP = 95,269.77‬
Hubs KWSP = 40,577.37

Long story short, we had a business before and didnt go well.
We just paid all the mess in Feb except for that 1 PL loan left
Also, we never knew how to save anyway due to no proper guidance.
We learn the hard way and now want to start from 0

Currently, both husband and I took the 7% EPF. I figure to put in ASB so our salary is + 442.3
I request to withdrew from KWSP I-lestari RM500 too, again this is to set aside cause both of us in high risk industry. So this will increase us to+500
(If all goes well, i pump it back in KWSP in Jan 2021)

I want to build the 6 months emergency funds in ASB and thought we could achieve this by end of year, but Covid happens and we are uncertain in the next few months if we still have job

I was thinking to do side job but husband dont quite agree. He asked to focus on full time work and dont want things to happen again in the past.
Also we quite comfy with current lifestyle

We dont have kids yet. Planning to buy house in 3 years down the road, as we want to build wealth first.
both parents well, dont need help from us.
Occasionally go out and belanja them dinner, normal place nandos or somewhere similar level, nothing fancy

I know we started late, but we are looking forward for any advice or comments on how we can build our wealth
TY

Wow...most of you guys successful at young age...I think I gg man...

Age: 24
Jobless since April, worked for 2 years.
(Normal life before Covid-19)
Monthly Expenses:
Food: 300 ~ 500
Phone bill:  30 (U mobile unlimited data)
PTPTN : 195.50
Medical Insurance : 150
Housing Utilities : 120
Give Mum allowance : 200
Car petrol : Covered by previous company otherwise around 300~400

Total Expenses before covid : about RM 1k~ RM1.2k

Cash on hand : 9,327.77
FD :  3,124.5
PRS : 2,000
EPF : 18,193.05
Stocks :  3,000

Total Assets : 35k

Total Liabilities PTPTN : About 26k left

I live with parents right now, car using secondhand car already paid off...now my concern is to find a job that pays me well...sad that i quit my job then covid happens.    No choice now need to look forward ba

Your EPF is quite high, have you worked for 2 years now?

Any reason for quitting your previous job before securing another one?

Good!! Many underestimated the importance of emergency cash.
What's your planning with the extra cash?

And I'm interested with higher than FD. May I know which bank and how much is the rate?
Currently I'm parking my emergency cash in rhb bonus saver, as of now still giving 2.65%
Calculate daily, credit monthly.
Best of all, no requirement.

stashaway is not as liquid as saving acc tho
whats the ROI?

i guess i will stick with rhb 2.65% 

i got think of ''CC to tide at least 30 days''
but then i realise, not every place accept CC

and during MCO, while buying groceries, i prefer go to those smaller kedai runcit. bit more pricey but less Q and crowd

No we don’t, we’ve been based in Singapore for nearly 30 years. I’m still Malaysian though, She’s taken up Singapore citizenship.