Feb 6 2020, 09:44 PM
QUOTE(Reonix91 @ Feb 6 2020, 08:11 PM)
Greetings folks, just looking for your prospect and insights.
Here's a few details :
I'm aged 28 currently and working in retail.
Gross salary RM 4,000- RM 8,000
Its pretty random as its basics with commission and allowance.
Monthly expenses (Food, groceries, work related etc) RM 800
Parent RM 300
Rental RM 250
Car loan (Share with siblings) RM250
Insurance RM 210
Phone RM 50
Internet RM 100
Electric RM 100
PTPTN Loan RM 230 monthly (Left RM 17,000 more)
ASNB I max up to RM 200,000 (RM1,000 per month I paid) roughly. Been paying for 2 years already
Above are my total expenses.
As for my saving, I managed to save up to RM 184,000 in a saving account
also cash on hand RM 25,000
as for EPF : RM 70,000- RM 80,000
Just wondering should I park all my saving maybe RM 150,000 into my sibling ASB? with the dividend I receive per year, I can use it to pay for property if I'm looking for one within this 1-2 years? I personally think I can save RM 50,000 or more so that I can pay for 10% for property. What are your thoughts or move? Your advice highly appreciated.
Did you have any other loans. Saw that you mentioned in another thread that you took another loan not sure whether I read correctly.Here's a few details :
I'm aged 28 currently and working in retail.
Gross salary RM 4,000- RM 8,000
Its pretty random as its basics with commission and allowance.
Monthly expenses (Food, groceries, work related etc) RM 800
Parent RM 300
Rental RM 250
Car loan (Share with siblings) RM250
Insurance RM 210
Phone RM 50
Internet RM 100
Electric RM 100
PTPTN Loan RM 230 monthly (Left RM 17,000 more)
ASNB I max up to RM 200,000 (RM1,000 per month I paid) roughly. Been paying for 2 years already
Above are my total expenses.
As for my saving, I managed to save up to RM 184,000 in a saving account
also cash on hand RM 25,000
as for EPF : RM 70,000- RM 80,000
Just wondering should I park all my saving maybe RM 150,000 into my sibling ASB? with the dividend I receive per year, I can use it to pay for property if I'm looking for one within this 1-2 years? I personally think I can save RM 50,000 or more so that I can pay for 10% for property. What are your thoughts or move? Your advice highly appreciated.
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