Personal Financial Management V3, It's all about managing your $$$
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 Jan 29 2015, 03:27 PM
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#1
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Junior Member
228 posts Joined: Jan 2011 
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Hi all, I'm a fresh graduate in need of a car. I was thinking of Myvi 1.5 54k or 68k kia Rio?
My monthly salary is 2.2k after epf and socso. I have no commitment at the moment. My parents will help me down 10k. The question is can I afford it? |
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Jan 29 2015, 05:25 PM
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#2
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Junior Member
228 posts Joined: Jan 2011
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QUOTE(Pink Spider @ Jan 29 2015, 03:32 PM) U gotta first lay down your monthly expenses Monthly expenses 800. I'm working on probation after 5 months will increase 200 salary and another is I have another job offer of 3.3k haven't minus epf and socso. But still considering.U ask like this...how ppl gonna advise u???  |
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Jan 29 2015, 05:38 PM
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#3
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Junior Member
228 posts Joined: Jan 2011
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QUOTE(Pink Spider @ Jan 29 2015, 05:31 PM) After u buy car... Thanks I guess I can't afford Rio anymore. Btw car has to service every month? Petrol (for me, around RM300 a month) Service car (my experience...u estimate about RM100-150 a month) Car insurance and road tax teach u a trick to make sure u won't have problem paying car insurance... u only pay once a year let's say when u buy car, insurance + road tax is RM2K RM2K / 12 months = RM166.67 so, u put RM166.67 aside every month, u MUST NOT use it no matter what happens Now, u do your own calculations   |
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Jan 29 2015, 05:57 PM
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#4
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Junior Member
228 posts Joined: Jan 2011
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This post has been edited by melvin471: Jan 29 2015, 05:58 PM |
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Mar 28 2015, 02:48 PM
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#5
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Junior Member
228 posts Joined: Jan 2011
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Guys, how much of health insurance coverage do I need?
I am not married and currently age of 24. I was being offered 1million by the agents, I am afraid I'll be over insured. Best Regards. |
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Mar 28 2015, 03:49 PM
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#6
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Junior Member
228 posts Joined: Jan 2011
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QUOTE(T231H @ Mar 28 2015, 03:36 PM) while waiting for more value added info from sifus with the right unbiased insight to response... Thanks for the quick response.may I know, how much is your income/net worth? any liabilities/loan? is your work risky or dangerous to one health? are your engaged in any dangerous activities? is your parents able to handle themselves financially (if you are not able to?) (any brothers or sisters can help)?  Delete This post has been edited by melvin471: Apr 6 2015, 07:13 PM |
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Mar 28 2015, 06:42 PM
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#7
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Junior Member
228 posts Joined: Jan 2011
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QUOTE(watzisname @ Mar 28 2015, 06:20 PM) You just need a basic medical card. Just stay fit and healthy and use the extra money to save/invest I already have 40k medical card from my company but It is only there for me to use while im employed.So you are saying i need to buy one myself? If yes how much coverage do i need? Thanks. Best Regards! |
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