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 How to survive with RM2500

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dorawan89
post Nov 18 2014, 11:14 AM

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QUOTE(Belphegor @ Nov 18 2014, 11:02 AM)
May I ask what is your major? Wow tahan 1 and half year got close to 60% increment. Nice! biggrin.gif What's your current company business nature?

The breakdown, I assume is when you getting RM1800 basic right? tongue.gif
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I'm in biomedical field, before this i was in diagnostic, but then i got better offer to do research. of course, doing research has its own ups and downs. like u got flexibility in working hours, but at the end of the day, u need to come up with something as result.

believe me, rm1800 is super dirt cheap for a company that makes 30million revenues per year.

yeah, that was during my rm1800. but i still pretty much practice the same except i also pay rm400 now per month for house loan at seremban altho i rent in subang.

ooh. and do some part times, if you guys managed to find your expertise in something smile.gif

This post has been edited by dorawan89: Nov 18 2014, 11:16 AM
Belphegor
post Nov 18 2014, 11:23 AM

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QUOTE(dorawan89 @ Nov 18 2014, 11:14 AM)
I'm in biomedical field, before this i was in diagnostic, but then i got better offer to do research. of course, doing research has its own ups and downs. like u got flexibility in working hours, but at the end of the day, u need to come up with something as result.

believe me, rm1800 is super dirt cheap for a company that makes 30million revenues per year.

yeah, that was during my rm1800. but i still pretty much practice the same except i also pay rm400 now per month for house loan at seremban altho i rent in subang.

ooh. and do some part times, if you guys managed to find your expertise in something smile.gif
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So your current company requires some professional skills or anyone can do it?

I too have my own breakdowns but my breakdowns are alot more expensive. sad.gif
annoymous1234
post Nov 18 2014, 11:24 AM

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its enough to survive, but not enough to enjoy. also depends your current situation. if u stay with parents u no need to pay rent, bills, etc, heck i bet internet bills also your parents pay, right? just pay maybe rm200 to parents. then, take public transport if its convenient to your workplace to save on toll and petrol.
eat simple things enough, once a while u can reward yourself with nice meal though
cut down on entertainments like movies, download movies jer la tongue.gif
and there are always better options for mobile broadband. Eg: if you not using much, why not get Digi 1GB, its only RM18 per month!
there are so many ways you can save, look around for groupon meals promo as well
dorawan89
post Nov 18 2014, 11:32 AM

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QUOTE(Belphegor @ Nov 18 2014, 11:23 AM)
So your current company requires some professional skills or anyone can do it?

I too have my own breakdowns but my breakdowns are alot more expensive. sad.gif
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haha..no... they need experience. I'm lucky cuz back in uni I'm the kind that is fascinated with machinery and stuff, although not in my course but i learned on my own. so i can answer their questions during interview. rclxub.gif

do you mind putting down your breakdown? some alteration can be done. with GST and increasing price of stuff, us the youngsters really need to watch our spending.
like Dr M said la: RM4k is not considered rich nowadays woo cry.gif
Belphegor
post Nov 18 2014, 11:39 AM

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QUOTE(annoymous1234 @ Nov 18 2014, 11:24 AM)
its enough to survive, but not enough to enjoy. also depends your current situation. if u stay with parents u no need to pay rent, bills, etc, heck i bet internet bills also your parents pay, right? just pay maybe rm200 to parents. then, take public transport if its convenient to your workplace to save on toll and petrol.
eat simple things enough, once a while u can reward yourself with nice meal though
cut down on entertainments like movies, download movies jer la tongue.gif
and there are always better options for mobile broadband. Eg: if you not using much, why not get Digi 1GB, its only RM18 per month!
there are so many ways you can save, look around for groupon meals promo as well
*
Yeah that's what I do also. Go lurk around Groupon to find some good deals. tongue.gif Btw, about the Digi 1gb, you sure is only RM18? Confirm? What's the T&C? tongue.gif


QUOTE(dorawan89 @ Nov 18 2014, 11:32 AM)
haha..no... they need experience. I'm lucky cuz back in uni I'm the kind that is fascinated with machinery and stuff, although not in my course but i learned on my own. so i can answer their questions during interview.  rclxub.gif

do you mind putting down your breakdown? some alteration can be done. with GST and increasing price of stuff, us the youngsters really need to watch our spending.
like Dr M said la: RM4k is not considered rich nowadays woo cry.gif
*
I considered lucky because I am a local and I am currently still staying with my family.

Roughly RM2100 after EPF and Socso

Parent - RM500
Petrol - RM200 (Subsidized by my sister) tongue.gif
TnG - RM100
Saving - RM600
Installments - RM150
Phone Bill - RM100 (Subsidize by company)
GF - RM400 (Sometimes overbudget also) tongue.gif

Got some left overs for some misc like daily meal outside, occasional clothes buying..

I force myself to do savings because I've been through times without a single cent to use. There's one time I spent RM4.80 per day for 2 week for transportation. Bring food from home. icon_rolleyes.gif

I still haven't count my insurance and car loan, which is also bared by my sister. Again, I am very lucky actually.

This post has been edited by Belphegor: Nov 18 2014, 11:41 AM
dorawan89
post Nov 18 2014, 11:47 AM

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QUOTE(Belphegor @ Nov 18 2014, 11:39 AM)
Yeah that's what I do also. Go lurk around Groupon to find some good deals. tongue.gif Btw, about the Digi 1gb, you sure is only RM18? Confirm? What's the T&C? tongue.gif
I considered lucky because I am a local and I am currently still staying with my family.

Roughly RM2100 after EPF and Socso

Parent - RM500
Petrol - RM200 (Subsidized by my sister) tongue.gif
TnG - RM100
Saving - RM600
Installments - RM150
Phone Bill - RM100 (Subsidize by company)
GF - RM400 (Sometimes overbudget also) tongue.gif

Got some left overs for some misc like daily meal outside, occasional clothes buying..

I force myself to do savings because I've been through times without a single cent to use. There's one time I spent RM4.80 per day for 2 week for transportation. Bring food from home.  icon_rolleyes.gif

I still haven't count my insurance and car loan, which is also bared by my sister. Again, I am very lucky actually.
*
haha..u got super lucky dude. u subsidized and staying with parents. ahh.. sometimes i wished my parents didnt go back to their village. haha..
well, most of people said having GF need a lot of money, but i'm lucky my gf is working and normally we pay for our own foods and tickets. haha... i know, i know, i'm like the least romantic person, but she's actually who came out with it. haha... i gotta say, not that many girls wanna do that tho. they expect us to be this knight in shiny armor with fat pocket. sorry girls, joking only tongue.gif

car+insurance: reallly suck my bank saving dry. haihh cry.gif

This post has been edited by dorawan89: Nov 18 2014, 11:49 AM
annoymous1234
post Nov 18 2014, 11:59 AM

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QUOTE(Belphegor @ Nov 18 2014, 11:39 AM)
Yeah that's what I do also. Go lurk around Groupon to find some good deals. tongue.gif Btw, about the Digi 1gb, you sure is only RM18? Confirm? What's the T&C? tongue.gif
*
Yep rm18. The t&c is that you must not stop subscribing every month. Once you stop you are no longer entitle to this promo. So make sure u got enough prepaid credit for auto renewal

This post has been edited by annoymous1234: Nov 18 2014, 11:59 AM
Belphegor
post Nov 18 2014, 12:13 PM

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QUOTE(dorawan89 @ Nov 18 2014, 11:47 AM)
haha..u got super lucky dude. u subsidized and staying with parents. ahh.. sometimes i wished my parents didnt go back to their village. haha..
well, most of people said having GF need a lot of money, but i'm lucky my gf is working and normally we pay for our own foods and tickets. haha... i know, i know, i'm like the least romantic person, but she's actually who came out with it. haha... i gotta say, not that many girls wanna do that tho. they expect us to be this knight in shiny armor with fat pocket. sorry girls, joking only tongue.gif

car+insurance: reallly suck my bank saving dry. haihh cry.gif
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Haha yeah. Cause my parents are local, that's makes me a local too. tongue.gif My gf have that mindset also. Sometimes when I wanna buy something for her, she don't let also. laugh.gif But that's makes her a keeper la. tongue.gif We are both lucky guy. biggrin.gif

My car and insurance total combined is almost 1.2k per month. What's worse is my sister is my insurance agent, that's why she invest heavily on my insurance.

QUOTE(annoymous1234 @ Nov 18 2014, 11:59 AM)
Yep rm18. The t&c is that you must not stop subscribing every month. Once you stop you are no longer entitle to this promo. So make sure u got enough prepaid credit for auto renewal
*
Oh is prepaid ah? I am planning to change to DG smartplan 50 actually. But I am not sure if I am enough and able to settle with 1GB every month. Heavy Facebooker here. tongue.gif So you are using that plan? Any cons besides the one you mentioned earlier?
ReturningExpat
post Nov 26 2014, 01:34 PM

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QUOTE(Pancake1234 @ Oct 8 2014, 02:25 PM)
I came across this article in Star today about "Experts are saying that RM2,500 is sufficient for fresh grads, provided they limit their expenses on luxurious items." What are your thoughts on this? Can we survive with RM2500 working in kl or s'gor area? hmm.gif
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If you fresh graduate, don't pay rent, bills - covered by Parents
Then 2.5k is definitely livable. You pay car? 800RM a month
Still got 1.7k RM left over.

More then enough?

Many people in Malaysia still earn 900RM a month only.
sendomike
post Nov 26 2014, 01:59 PM

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QUOTE(ReturningExpat @ Nov 26 2014, 02:34 PM)
If you fresh graduate, don't pay rent, bills - covered by Parents
Then 2.5k is definitely livable. You pay car? 800RM a month
Still got 1.7k RM left over.

More then enough?

Many people in Malaysia still earn 900RM a month only.
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you have the wrong idea. and you haven't deduct EPF and SOCSO.
A normal fresh grad will have to -
rent room - RM400
pay utilities (shared with housemates) - RM50-80
car loan
PTPTN loan (if any)
handphone bills
the list goes on..

in the end, can still survive, just cannot really "live" with RM2.5k..


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