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.

Thank you for your feedback! Much appreciated!
Don't think it is 25%, more like 18% if I consider my total income from both my rental collection and salary. The rental income that I mentioned is after deducting the maintenance and sinking fund.
Yeah I might consider to sell my negative cash flow condo in the future. However, currently there is more supply than demand, so I guess I need to hold on it for a while longer.

You are right about the yield for the low cost flat which I think is my best investment to date even when I experienced past tenant running away and high repair cost to maintain the unit. Currently, I do not face any of these problems *touch wood* and if I really need money I can just offload it.

Probably what I need to do is to find other source of income or increase my current pay.

Thank you for your feedback! If our background are similar, you would understand our struggle to find ways to improve our financial situation. I think you found your way through building your business . Hope this motivate me to try my best as well to think of something that can help generate some side income.