One of them is Caroline Wong, who believes her combined household income of RM12,000 is not enough to sustain a living in Penang, famed for its beaches as much as it electronics manufacturing sector.

The 34-year-old clerk lives with her husband, a sales manager and their young daughter are starting to feel the pinch despite earning an income that was once sufficient to live comfortably.

“We are always eating in at home now and we can no longer afford to buy goods like branded clothing,” Wong told The Malaysian Insider in Penang's capital city George Town.

According to Wong, every month the couple have to fork out RM4,000 for the house and car, RM1,500 on food and another RM1,500 on daycare, baby food and milk for their child.

On top of that, there is RM750 on insurance and a family medical card, RM700 on petrol, RM600 on phone bills, WiFi and broadband, RM120 on Astro, RM140 on water and electricity bills and RM110 on a weekly housekeeper.

“We put aside RM500 every month for road tax and car insurance. Come May next year, we will have to spend another RM1,500 a month on our second child when it arrives,” Wong said.

Her tale is just one of many who are living in Penang, the country’s most expensive city.

According to this , RM12k is not enough for young family.
I think i should just sell my butt instead since I don't even half of that 

thats why i have to do part time escort.

oh wai

You din see they wanna buy branded clothing?
That is the keyword.

Branded clothing can be anything yo. Not only necessary to cloth
Bag also ma. Must come in one set wan

thats why i have to do part time escort.

oh wai

Branded to them are shiat like h&m, zara, topman hahaha pfffttt!

rubbish news

my pekerja gaji RM900 sebulan pun cukup daah
sometimes ot RM1000+ a month

>phone bills
>rm600

daffark

use mobile internet pay-per-use ?

LV, gucci, dior?
don't spoil the market please
those are still branded to me.
precisely. which is why the example they quoted in there is just way off.
dunno. i'm also curious.

selow

pm best price plox

I am not making 12k, but I am survived?

no choice la

he didnt drive dugong aka god car

that why he need to spend 700 on petrol

700 = 333 litre of petrol

1 day he will use 11 litre of petrol ..wow

what to do , i'm only using RM149 internet, not RM600
pm full.
are you survived by a next of kin?

I think i should just sell my butt instead since I don't even half of that 

>phone bills
>rm600

daffark

use mobile internet pay-per-use ?

LV, gucci, dior?
don't spoil the market please
those are still branded to me.
precisely. which is why the example they quoted in there is just way off.
dunno. i'm also curious.

if every month buy Prada, LV
salary MYR20. also not enough

its for whole household, everyone got one phone now.

some ppl can afford ler
my fren, one trip to london with GF, 5 branded bag in return

kaya raya  . anyway, branded bag is good to buy oversea cos can claim back vat (gst) which turns out to be much cheaper than the retail price offered here in Malaysia

Ur fren is smart 

According to this , RM12k is not enough for young family.
I think i should just sell my butt instead since I don't even half of that 

How much for your butt?

12k per month not enough? Maybe lah if you drive a Hummer and have banglo with 12 children. Relative all in your banglo.

ok, i tips 12k. pm for fast deal 

its for whole household, everyone got one phone now.

if every month buy Prada, LV
salary MYR20. also not enough

4k installment most likely their debts are around 400-500k...
assuming they buy in their house before 2008 and sell it now..
most likely they can record a nett profit around 400k..
acquire another cheaper property in mainland by paying minimum DP and invest the remaining..
ROI around 12% per annum .. 5 years down the road.. fuhh money grow many times jor....wahahahahah..

some ppl can afford ler
my fren, one trip to london with GF, 5 branded bag in return

pm full.

pm full.
her house only her, husband n 1 kid.
even if all 3 has a phone each, RM 60*3 = RM 180
unifi cheapest at RM 149. Total about RM 330.

sell liau then live where? later stay further then petrol become 1k a month
i know of someone who's on the way home from HK with dunno how many branded stuff 

yes, I am more worried your well being.

my phone bill alone already rm200-300 per month d

not smart when his card burst and ask us to lend money cos sked ayah scold
me only buy myself luxury, u need to earn the title "wife" to access the rest

How much for your butt?

12k nett for a family is good enough. cannot rich luxuriously, but will be able to live comfortably in a double storey house, installment around 2.5k-4k, car installment 2-3k.

   

i'm doomed for life. thanks though
how?
i don't even buy anything luxurious for my self. 
pm for best price. o wai.....
their car n house is at 4k total....

i'm doomed for life. thanks though
how?
i don't even buy anything luxurious for my self. 
pm for best price. o wai.....
their car n house is at 4k total....

its true RM12k don't get u very far in malaysia now

unless u single, and house installment & car settled

a facts for u, some car, a dent on the bumper can easily cost u 800-1000 to repair
a minor surgery can easily cost u up to 5 digits nowaday
if for just enough yea rm12k is probably more than enough
but with inclusive of unpredictable event, no way it's sufficient

12k okay I use less than that, even petrol 700 to 1000 a month

lucifah buy for u?

don't la buy a car that'll be pricey to maintain.
surgery can be covered by insurance.
if you want to put all these unpredictable into the picture, 80k also not enough
me also ....
yes. in my dreams.
like how i am his mistress in his.

its true RM12k don't get u very far in malaysia now

unless u single, and house installment & car settled

why not, reward urself > pleasing anyone else

thats why must menabung like rosmah lor 
[truestory]if u have 2 cars kena bang bang from behind, ur workplace truck 2-3 break down all of sudden
with no monee u cant repair the 2 cars nor having extra trucks to carry out ur job [/ truestoryend]

>600 on phone bills

get the f*** out

i beg to differ.
i can't bring myself to part with my hard earned cash for some name.
she didn't teach me when i was young. it's too late for me now.
why 2 cars banged at the same time? insurance cannot cover?
if u got money to own your own business, i think 12k scenario doesn't apply to you

doesn't have to be single la, some ppl earn less than 5k can still go cheong, consider that a part time gf lor

They have not face the problem yet. Earn 5k still can chiong sure rent house or staying with parents. Nowadays house price keep going up , 5k really not enuf at all . rm 400k house u will need to pay 2k for the monthly installment . If u get a 80k car 7 years installment monthly also 1k . Left 2k only and many more need to pay like groceries , food ,petrol , tolls and so on . To buy a house need at least 10k combined income....

i beg to differ.
i can't bring myself to part with my hard earned cash for some name.
she didn't teach me when i was young. it's too late for me now.
why 2 cars banged at the same time? insurance cannot cover?
if u got money to own your own business, i think 12k scenario doesn't apply to you

i beg to differ.

doesn't have to be single la, some ppl earn less than 5k can still go cheong, consider that a part time gf lor

don't la buy a car that'll be pricey to maintain.
surgery can be covered by insurance.
if you want to put all these unpredictable into the picture, 80k also not enough
me also ....
yes. in my dreams.
like how i am his mistress in his.

Sign package get phone for 2 easily 400 already . Unifi also 150 la . So 600 is normal ok

claiming insurance will nullify ur NCB and not worth it for bumper dent
me just peasant, my balls as small as peanut and have only 1" didi

I believe rm12k is not enough too
Got too many commitments, house loan, car loan to serve

They have not face the problem yet. Earn 5k still can chiong sure rent house or staying with parents. Nowadays house price keep going up , 5k really not enuf at all . rm 400k house u will need to pay 2k for the monthly installment . If u get a 80k car 7 years installment monthly also 1k . Left 2k only and many more need to pay like groceries , food ,petrol , tolls and so on . To buy a house need at least 10k combined income....

Is it true if I ask you out, I need to pay?

depends.

a great yuppie lifestyle, a designer suite at vibrant Mont Kiara or equivalent, a decent car (varies on requirement, some think Honda/Toyota is decent enough)
then yes, RM12k/month Gross salary is pretty much just-nice.
But if want to be able to save up money to have a sustainability of 1 year -> this mean, u r ok to leave your job for a year (whether got retrenched or just for fun taking a year break) and maintain the lifestyle
Then, RM12k nett

i spend very less. All i put back into investment. I am saving it for the next downfall of malaysia. Thats where i will put all my money.

I am selling alot things i have now, sold 2 houses saving the money.

On what?

Keyword: Survive.

Therefore, RM 12k, is beyond surviving. Its a life of luxury, when comparing to surviving.

I find it silly for anyone suggesting that RM 12k isn't enough to survive.

this is the story of future when ringgit deficit in 2030

i think someone created another thread on 8k can't survive but his had a more realistic n believable breakdown

Even RM 8k is still more than sufficient to survive. No matter what, there are people surviving with much less, but with more financial burdens.

depends on single/married, kids or not. lifestyle.
8k for me is more than sufficient too but as some noted here, it isn't

According to this , RM12k is not enough for young family.
I think i should just sell my butt instead since I don't even half of that 

>600 on phone bills

get the f*** out

depends on single/married, kids or not. lifestyle.
8k for me is more than sufficient too but as some noted here, it isn't

what you are looking for.

According to this , RM12k is not enough for young family.

why not no yuppie lifestyle, and still manage to save up for the sustainability?
wish i could too.... only thing i can sell off now is my butt
what you are looking for.
i think someone created another thread on 8k can't survive but his had a more realistic n believable breakdown

why not no yuppie lifestyle, and still manage to save up for the sustainability?

Thats for two people.

And, includes broadband.

RM600-RM149 (slowest Unifi) = RM 451

Estimate the husband uses a lot as he is doing SALES.

Not all salesman can claim the bill from the company, it may be included in the take-home as "comm benefit" so included in the RM12k.

Since she is only lowly educated I estimate the hubby makes majority of the 12k.......at least around 8-10k. So yes, I'd estimate salesman benefits are included in the household income.

what you are looking for.

I don't believe so.

8k is enough to SURVIVE, sure, but when you consider that the median household income in Malaysia is closer to RM2k, 4x the median household income shouldn't be reduced to merely surviving!

if casual coffee/tea session how much charges

12k tak cukup to marry this..

okay ma per RM200 x  10 clients = 2000 x 30 days = 60k okay ma

the question is, do u need branded clothing TO SURVIVE? 'to survive' u dont need money, all u need is food, air, water, shelter. LOL

In Malaysia, food is very expensive if u want to eat good food, like Australian beef, wagyu, fresh oysters, escargots and Norwegian chilled flew in daily unfrozen king salmon , and all the premium food ... Food that you get from isetan supermarket, or Hock Choon Jalan ampang. Cooking and preparing em in your custom made marble top kitchen, light some candles,  Sitting at high floor condo with infinity pool, overview of KL skyline, a bottle of wine, and then some espresso from the Krups coffee maker with fresh whole-bean to brew....

Ahhhh... What a life , life is good in KL , if u have got money   

Can u rephrase that , doesn't seemed relevant to my post at all?

If u r asking why cannot enjoy the yuppie lifestyle and yet being sustainable (for not having to work for a year under any circumstances )
Can, if RM12k/month income nett

Cannot, if RM12k/month income gross,
if gross, means before deducting tax, epf, insurance, car loan, house loan etc. Have to either have less saving, and maybe able to have sustainability of 3-6months instead of a year , or compromised one another, lifestyle/saving

So what r u asking, wanted to have RM 12k gross and live the formal? Hard.

In Malaysia, food is very expensive if u want to eat good food, like Australian beef, wagyu, fresh oysters, escargots and Norwegian chilled flew in daily unfrozen king salmon , and all the premium food ... Food that you get from isetan supermarket, or Hock Choon Jalan ampang. Cooking and preparing em in your custom made marble top kitchen, light some candles,  Sitting at high floor condo with infinity pool, overview of KL skyline, a bottle of wine, and then some espresso from the Krups coffee maker with fresh whole-bean to brew....

Ahhhh... What a life , life is good in KL , if u have got money   

RM 12k should be enough , this person should manage his/her money wisely

at least is not kerja escort.

With the keyword "branded item" 24k or perhaps 200k per month also not enough. 

can't afford luxury then complain feel life a pinched, people nowadays...

12k salary or cash in hand.

Where got enought? Wanna enjoy better life would be 30k per months lol.

Penang is Malaysia most expensive city

crazy if 12k not enough, more than 80% msians already cant survive.
the ave percapita only over 1/4 of that amount.

If go out makan makan only? Need to pay as well?

80% malaysians household live < rm5k/month

apa lagi mereka mahu?

petrol and mobile phone should be combined with her hubbie one mah

ask that fella go fly kite, 12k cannot survive.... She is just one high maintenance  . Pity her husband.

Life is good anywhere if u have got the money

12k not enough ?? gila ke apa ni ???

With RM20k also not enaugh as after getting RM20kpm her `living' requirement as follow:

RM5,000 Car (BMW 5 series who want to drive Toyota nowadays/)
RM3,000 Condo (Must stay good area - yuppies living)
RM2,500 daycare (daycare, baby food and milk for their child. Must sent to premier tuition center)
RM1,500 (Insurance RM2mil /medic card)
RM900 Petrol
RM700 Phone Bill
Assteruk & Berukband (RM350)
RM300 Water & Electricity (AC al1 room)
Food (RM3000 - RM100 per days and twice a week at porch restaurant)
RM500 (Travel - twice a year must travel oversea)
Income Tax - RM2,000)
Saving?

How about those earning below than RM2k household per month. They still have own roof, 3 meals a day, education, etc). She must understand what is basic and what is luxury.

car & condo so much?
btw, travel where got RM500 only? must go at least aus .