Hi all, need advice if i'm in the right track on my money management

Nett income (after deduct epf and all): RM3.5k (already work for 3 yrs-current age 27)

House installment: RM700 (bought 2nd hand hs 2 yrs ago)
Car loan: 620 (still got 2.5 yrs left to pay off)
Phone bills: 80
Transportation:300
Savings: 500-800 (big chunck used for travelling- 2-3 trips per year)
Insurance (med card):150
Misc: 500
current saving :20K (consider as emergency fund put in FD)

Didn't do any kind of investment, money just sit in FD.



This post has been edited by Ant Tek: Sep 16 2014, 02:18 PM