Not an expert, but IF you really wanted to save 2k.....
Pay this 2k to another a/c first thing after each pay check....

use the balance to pay....(2750)
- house rental - rm550
- fuel n tng - rm600 (travel 80km daily)
- personal loan - 500
- housing loan - 600
- parents - 500

then use whatever balance for
Food, misc.....(reduce, cut down, eliminates if necessary)

then use whatever still balance every month to dump into that saving of your......

what you think?....

How long have you bought the flat, if able to sell it and use the money to settle existing home loan and use the balance as part of down payment b for new home, can consider.....

Of course, less travelling abroad instead take vacation locally and save more will expedite the process

Love travelling aboard.
That's your first mistake. Try restricting yourself from travelling abroad and see how much extra can you save.

Looks like you don't know what you are buying.
Investment is something which you need to be ready. If you not ready or regret or cannot sleep because of your investment,  it means
1) amount you put in is too big
2) you are making losses
Sometimes the best investment is the simplest. Try going for simple and decent returns like amanah saham fixed price fund.  Every year more or less get min 6% and your capital is kind of guaranteed. Don't go for the variable price fund.
With all investment,  always know what you are investing into.  Invest in books and knowledge.

If you don't have enough saving, what's stopping you from saving more rather than travelling abroad? If your car keepnbrraking down,  then yes can think of changing. If not,  just use the same car. A car is to keep you from point A to B. Nothing more. The moment you drive the car out of the shop,  the price decreases.

Settle one a time first. Recommend you settle the PL first. I don't know what you took up for personal loan first. But I hope for your sake it's not for going on holiday, buying the latest tech.

Remember, you can't gave everything. You need to sacrifice something to get something.

I sacrifice overseas holidays and I choose to live frugally so that I can sleep better knowing that my bank account is fat enough to last me through difficult times. The choice is yours. One needs discipline if you want to have more money. Giving in to temptation will just slow you down.

the is always a trade off between what you want and what you have....
try get into another loan be it a new car loan or a new housing loan AFTER you have settled your current PL and housing loans?

unless you wanted to save lesser or increase your income.....

The way PL charges interest, its really a bad idea to take a new one to pay the old one. You might have more cash flow but you will end up paying more interest.

Adui.

Do you really need another PL? Better skimp and plan towards reduce the 1st PL rather than take another to close this.

Follow Ramjade advise in long term will make you richer and better in managing your finances. Some sacrifices have to be made though

What kind of lifestyle you have and you need 50k PL for that?

Do you travel to europe by using business class?

Dont ever commit yourself into another personal loan again.

Have you ever counted have much you have vs how much you owe? ie your own networth?

I literally puked. He's not accepting opinions but trying to get support for his decision.

Look up on how personal loan interests are being calculated (upfront) and you'll understand the reason why many disagree with this idea.

Any how the choice is yours