I am 25 

I am at arnd 15k atm after dumping 31k into first housing loan

You're right!
Okay I set at age 30, I wish to have 100k in my bank account! At most, before my 31st Bday! 

Hi sifus,

Below are my outstanding loan :
Housing Loan - RM 133k (Interest 2.85%) --> Staff Loan.
Credit Card O/S - RM 14k (Interest 15%)
Credit Card O/S - RM 1.6k (Interest 12.90%) --> Convert CC into PL.
PTPTN - RM 9k (Interest 4%)
ASB Loan - RM 104k (Interest 4.85%) --> Staff Rate.

Below are my savings :
ASB - RM 30k (Total RM 130k include ASB Loan)
Extra savings per month around RM500 - RM800.
My plan is to pay off Credit Card O/S as soon as possible. Any technique how I can pay off quickly the CC?
I don't want to touch RM 30k cash in ASB because that is my emergency fund.

Hope you all can advice me.

Hello Navink,
So you're in the forum seeking advise again. 

No need to wait the dividend la... just clear the 14k debt out of the 30k in ASB. Still got balance of 16k. Then re-built the savings again...

But to be careful, you got to know how you got into the cc debt in the first place. Among the top rules or advise in personal financial management is paying the credit cards in full. If not able to do so, this means living above the monthly paycheck.

If it was a one-time big purchase/expense, this is what the savings are for. No point having savings, but using credit card instead of the savings.

Done too.

Looking fwd for small-middle income financial plan 

My situation:

income: 2700
car hp: 300 - 2nd car
utilities: 120
petrol: 350 - use cc
ptptn: 350
insurance: 100
loan: 730
cash in hand: 7k - for emergency
wife money: didnt touch any cuz her salary also ciput. she pay her personal loan & daily expenses

balance: 750 for everyday expenses. barely able to save.
father to be soon, expect emergency fund will be used up 

what to do meh 

How are you sure that rental will give guarantee return as compare to dividend? What if your rentee defaulted rental payment? What if rentee was a troublemaker and refused to move out so you got to hire lawyer to get rid off him? What if your rentee spoiled your property so you have to fork out extra to maintain your property? What if you were unable to look for new rentee within weeks if not months to fill your dwelling units? What if your net rental decrease due to increase of loan repayment (assuming you were taking loan and the loan interest rate increased)?

Given that the holding period of stocks to be as long as the holding period properties, the volatility of stock price would be the same as the property price.