i have a semi flexi loan, which i made advance payment (example, loan amount 1k, i pay 1.5k) consistently throughout the year.

When i look at the statement, it seems the 'balance' is not affected by the extra payment i made? are these extra payments calculated separately rather than offset balance? i want to reduce the interest billed, but seems not affected by my extra payments at all?

prepayment shall be in multiples of Ringgit Malaysia One Thousand (RM1,000) or such amount as the Bank may at its discretion accept;

Age: 20
still studying
Month income from PAMA Scholarship: 1500

Rent:600
Food and everything:500
Church Tithes: 100

Saving 300 per month
FSM 4000
Bank 300

My financial good?

Papa Mama Scholarship 
at least i no simply waste and spend on unwanted things//

  how?
300 a month means average of 10 a day?

 
Breakfast if sendiri bikin maybe RM3
then lunch 5, dinner 5   
if everyday eat cheap meals only

  sifu.. no buy fruits?
snacks? 

corn flakes + Milo™

I prefer susu sejuk

where are u at? so cheap

if u girl, good for gf.. save money

Not sure is this the right place to ask, do appreciate the help and reply of everyone around here. Thanks in advance!!! 

I'm a diploma student with zero financial knowledge with a very minimum commitment.
Having 5 digits in the bank account which I'm able to pay for everything without being dependent to parents. Currently having just PTPTN loan only, which I'm not too concern about it as I'll be able to pay it off when I graduate in my degree (graduate in 2017).

Taking into consideration currently working 4-6 jobs (part time jobs & online businesses)at a same time to pursue my diploma, take home income ranging from 4.5k to 6.5k per month.
*Income may vary due to availability of jobs, but has not be less than 4.5k*

I've allocated emergency fund of 3 months, currently with no commitment of vehicle & insurance (since it won't protect me, might as well make use of the money rather than spend it).

Due to lack of knowledge in finance, I took the initiative to search some reading materials to get better picture of financial planning & investment. Hence, not doing any investment currently, cash is sitting in the bank. Which I'd regretted I never start early enough to manage my finance.

If you guys are in my situation, what path will you take to fully utilize the cash to generate more cash and/or allocate it for better cash flow?
And also, is it advisable to invest with current economy situation?

Note: I'm not good in math and finance, so I'll need some time to learn from the basics before making any investment.

Thanks I guess I can't afford Rio anymore. Btw car has to service every month?

You allocate the maintenance cost every month, so that you won't get stuck when something happens.
The so-called warranty does not cover certain parts.
Getting an old car(just buy from your parents) and start to learn how to maintain it will be better option.

Good budget app with updates..
bought it when discount at Steam store more then a year ago 

FYI, this need a lot of patience and time to key in every single purchase in your everyday life. 

Just do your self a spreadsheet. FOC
But I never do as every month my total spending are fixed at rm2500 no matter what happens.

Woh u can do that in year 2015? 

I used to spent RM300/mth too when i was working in KL! BUT it was 6 yrs ago!
Breakfast: maggie/biscuit/gardenia bread RM5/week
Lunch: RM4+ (90% chicken rice cos its fill your stomach LOL + chinese tea, force to order cos eat at kopitiam)
Dinner:RM4+ (chap fan - always the same stall cos its the cheapest)

On weekends, of cos spend abit more BUT I make a budget to spend ONLY RM300/mth on meal.

I been doing that for 2 years! Now when i think bout it.... its like WOH! how i able to do that last time...

Any budget tracking related will need to input first
Using a stupid phone to scroll a spreadsheet are pretty useless. You hate it as you don't know how to use it.

bro - just put under ignore la
no point being disturbed by gnats & stuff.. if no value add right?
like responding to a mentally disturbed person on the street that said something about U - no point & gives them satisfaction that U acknowledged their existence

If my plan works, i can make full settlement for my 2nd PL in a year, from my monthly saving.