hey guys I need some advice how to plan my finance smarter(or more responsibly)...

brief overview.
after company help me pay epf socso and tax, monthly net in bank acc is slightly above 10k

expenditure
rent 1k (currently renting bachelor pad w friend, when stay at home, this money go to parents)
basic expenditure 1k (food, petrol, touch n go)
phone, internet, laptop etc paid by company
irresponsible expenditure 2k (impulse belanja meal, drinking nights 2-4 times a month) which I should reduce

I have no urge for oversea travels as work travel already take a huge toll on me, no debt (hand-me-down car from family, no house, no overdue cc bills) , no gf expenditure, no insurance commitment, no prs etc. <- very dumb, cuz I just did my tax fillings and quite sakit hati at all the tax relief I can't claim.

how do I responsibly plan my expenditures? I usually just dump my end of month leftover moneys to random (safer) stocks my friends recommend and let it seat there (to date maybe 6x monthly income seating in stock value), I view it more like liquid cash when I need it I can cash it out to use (most likely for down payment of first house or wedding fund), if stock market crashed, its my extra money leftover at end of month so it has never impacted my lifestyle.

however, I think I should have more fixed commitments instead of only investing with month end leftover
(for example, I should buy a house, what kind of house? buy to rent? what price should I go for, how big a loan should I take? max? buy multiple cheap unit or 1 big unit?, what monthly schemes should I spend on?)

created a dupe acc for privacy.

This post has been edited by megumiisbestgirl: Apr 29 2018, 10:17 AM