Hi all, need advice if i'm in the right track on my money management

Nett income (after deduct epf and all): RM3.5k (already work for 3 yrs-current age 27)

House installment: RM700 (bought 2nd hand hs 2 yrs ago)
Car loan: 620 (still got 2.5 yrs left to pay off)
Phone bills: 80
Transportation:300
Savings: 500-800 (big chunck used for travelling- 2-3 trips per year)
Insurance (med card):150
Misc: 500
current saving :20K (consider as emergency fund put in FD)

Didn't do any kind of investment, money just sit in FD.

of course talk is easy. i'm in debt too two years ago. people who knows me, know my debt.
in 2 years time i managed to settle 10k car loan, 20k PL loan and 25k CC loan. total of 55k.

how do i do it? 

2 year can can clear rm55k, so i next 4year can SAVE rm100K investment 

i allocate 2k every month for my debt payment and on top of that 100% of bonus will straight go to debt payment.
it is not rocket science.

How can you even go on a holiday and trip if you are in bad debt? 

of course got holiday la.. once a year only during that time.
now I can 100% enjoy my bonus this year.. 70% savings. 30% enjoy..

no internet(use office), no smartphone usr rm50 plan, no jolly, no car, .......
"Dont buy thing that dont need; later sell thing that need"

take train..and take bus.

i'm communicating klang-kl-klang with m/cycle.. jimat a lot..

My company are giving PL for 1% a year, with reducing rate

put a portion (10% or more if u can) of ur salary into saving first once u get ur salary.

start tracking ur expenses,
make budget for each category of expenses eg. food-rm1000, entertanment -rm200, etc
spend within the budget.

There is no feeling involved. The facts are clear. The inflation is MUCH HIGHER than the 4% claimed by the Gov. You don't need to be a rocket scientist to see this.