hey guys,

i'm not sure whether this is the right place to ask..or to tempat merayu..

i need some advice regarding my debt issue and how to manage it ,all this debt i've accumulated because i was having family problems, since a few years ago. 3 months ago my mother passed away.

i started working in this company for almost 4 years as fresh graduates. With starting salary of rm2k, what i can say, thank god, i got increment every 6 month. fast forward middle of last year my salary was revised to 4k from 3.3k,2.9k,2.7k,2.5k and 2k. last jan my salary was 4.3k and now during mid year appraisal on July, i had my increment to 5k basic, and my director promised me to increase more on this january appraisal, provided i'm working hard and subject to all other management approval.

it was just a few months ago that i used up all my saving,pl money,and cc maxed out. that time i dunno what to do, and all i wanted was going back hometown to be with my mother and support my family.. i was about to default all my payments,resign from my company and just balik kampung. i told my boss my situation, he asked me not to resign. he asked me to take unpaid leave, and do whatever i have to do.

fast forward, here i am still working in the company, and thinking how to pay all this debt... and sometimes i fell kinda regret, why i didn't change job much earlier, when all my colleagues who left getting minimum 7k only for 2 years experience. and I've been here for almost 4 years but i'm happy with what i'm doing in this company.

so, the breakdown for now and coming forward, since my father told me not send give him money as nowadays he can manage things with his pension( i still give him btw, just lower)

as far as i remember, i do not have any late payment, and as for cc, normally i will pay more than minimum everymonth.


now my monthly other payment
car persona = 539 - SI still have 70 months to go
motor = 225 - SI - still have 2 years to go.
rental = 250
unifi = 169 another one year contract left(claimed from office rm50 another 40 from housemate)
allianz insurance = 179 -
gym = 179 contract one year left

misc like top up, etc.. around rm 200
bike fuel, minimum rm25 for 300km..nowadyas i refill once a week, so like rm100 or so
the rest is for my living expenses.
car is only used for balik kampung.. like 4 full tank(rm75) everytime i balik kampung. i had to because i still have my grandmother in hometown.. and i will go on balik kampung every 2 months starting this month.

so, after i paid all of thees, will have around 600 left for my monthly expenses, not including fuel. if i had to go hometown i had to use cc..

and i just paid 500 for this coming raya qurban for my late mother.

oh ya, i forgot to tell, i'm 27 and single working in private sdn bhd SAP Consulting company. now i only have rm1k left as my savings and i use gym and fasting as to reduce my weight since i'm fat. .


i really need some advice as i dunt really know what to do..and i don't want to go akpk too..

This post has been edited by Illusion20: Dec 26 2017, 12:16 PM

oh..thank you for the invites.. but i cant cancel my gym as i still have one year contract left.. haiz..
nowadays, i try to go gym at least 3 times a week, before this i always go for 2 days, and one off day..coz following friend..then nowadays, i got lot of work to do, and i normally walked out from office around 7pm++..i rarely go to gym except on weekend. maybe i'll join you for weekly badminton session since it's at night... ill keep in touch..

basic 5k, after deduct everything nett is around 4290, i got this amount for 2 payslip already.
ptptn- stop paying for now.
cc from 4 cards, rm800 p.m, so basically i'm paying cc + easy rhb 1200 = rm2k p.m.


unifi is shared with housemate. however he will move out coz he got married last month. so i need to get another housemate..and i might pay lower rental and internet fee too.. and since i still have another one year contract left..if break contract still need to pay. and not sure how to remove those internet, as i work with computers and internet..

if i were to sell the car, i need to top up at least 10k to cover the loan balance.resale value vary bad for proton. not quite sure how this is gonna work. but nowadays i rarely use car. only bike..of course before this i was thkinking to sell the car, but since the resale value very bad, i keep using it lah..

ya..gym membership if can transfer is a good thing too..but still, one year left.

misc like top up/shampoo/deodorant etc other utilities... around 200.

so normally, after i paid all those things, i'm left with rm650 for daily expenses ...i already doing this for many months now..

i'm evaluating my options now. because i'm only left with 1k savings..deswai thinking so hard how to settle this, if i have 10k in my hand, i don't really mind living like this for a few years until all paid up..
maybe i could sell some of my stuff to raise some money as savings.


i was hoping on two things for next year.
salary increment this january(i;m paid lower than market btw).. it's a promised from my director...he knows i'm having a problem, so he said he will try to push the management for higher salary, so far, i got increment every 6 months, and this year alone, an increment 1k from 4k.
bonus end of march. normally 2months.

or change job. Last may i went for interview got 8k offer. but that time quite f***ed up because of family problem. so i declined.
but i love my job here..i've been here for almost 4 years and i don't think i will change job anytime soon..my carreer here is booming... director keep pushing me coz he wanted to promote me to senior position..but i'm still not ready leh..



dunno how long im gonna take to pay all these debts.. and i still need to get married..not yet lah..maybe in a few years time..