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 Personal Financial Management V3, It's all about managing your $$$

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xixo_12
post May 4 2017, 09:33 AM

i!Retired!i
*******
Senior Member
7,318 posts

Joined: Nov 2006
From: Pulau Sipadan
QUOTE(jawagar @ May 3 2017, 05:17 PM)
Hi sifu's...Need help on financial planing T.T

Basically i earn 2.5k
potong epf and sokso 2.3K

With 2.3k

Im monthly spending on

CarLoan        : RM480
Internet        : RM184
Mobile          : RM 84
Parents          : RM 300
GYM              : RM 106
Petrol            :RM 140
Food              :RM 300
Entertainment : RM 300

With the balance money what can i do with it? Invest on something...but on what thats the thing, pls help me out cause wanna save up and try to beli rumah near future ^^ thanks guys!
*
current balance = 406 / mthly

Max balance i think around 600 / mthly
you go gym everyday? find ghetto gym, RM5 per entrance, 1 week for 2 times = RM50,
Mobile, go for cheaper plan.
Control your entertainment, restrict yourself

with rm600 u could save for emergency, FD or any amanah saham could make it grow.

rumah? share with partner later on, you can't do yourself, unless your salary become bigger.
xixo_12
post May 4 2017, 05:15 PM

i!Retired!i
*******
Senior Member
7,318 posts

Joined: Nov 2006
From: Pulau Sipadan
QUOTE(jawagar @ May 4 2017, 04:56 PM)
True that can trim but telco, internet, gym is ok to me i find the cheapest and most valuable to me later increment wont upgrade on it smile.gif....
masih single bruh sad.gif but i want to help settle my parents dulu since we still in a rental house sad.gif
*
parent retired?

try to save up 600 (in some occasion maybe need to fork out for emergency use, but it's ok) and follow the flow of life.
your focus on investment and house. investment could make it possible, but regarding house maybe look into combine with sibling / spouse later on.

i don't know what is your house target, but just try to make it work. wink.gif this is the only option, unless it change by getting bonus, change job ...

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