6 years ago im married only use 6k for all.heehh.

just fresh grad engineer. every month save around rm1k-1.5k. no enjoy. very sayang money haha

Single or got girlfriend? If it's the latter, mad respect.

This post has been edited by S_SienZ: Nov 6 2014, 12:15 AM

Don't go for loan. Temptations, you know that it's hard to resist but you still can resist it. Self-control. Like what others had mentioned, would you want your spouse/kids to suffer later or you just have to control yourself now for a better future?

Better get your priorities straight before deciding to marry and build a family with the girl. If you can't do it, your new family including the kids that you might have later would suffer.

HAHA ... no enjoy ha..i push every month to saving 1k per mont..plus enjoy sikit2 la.hahahah

You dont try to spend the money which you think you are going to get.
Money doesn't always work as what you have expected.
Plan with what you have at this moment, not with what you are going to have in the future.

Even in a small town, if you do it chinese style, you need to have at least 10k ~ 12k in total for everything.
In big cities, be prepared to fork out more.

This post has been edited by kons: Nov 6 2014, 06:58 PM

My suggestion is talk to your gf about your current financial status. Communication is the keys to marriage. Do not take it all your own. Prior to R.O.M, at least you need RM1-2K (maybe less, I saw Poh Kong sell nice diamond ring less than RM2K for couple) to buy engagement ring and then fix a date (perhaps 6 months from your proposal date) followed by wedding dinner date (2years after??, discuss again with your spouse about this). I guess, 2 years after will be just nice as you will have ample of time to prepare for your marriage.

Sorry guys for late reply. I was in hometown for 1 week. No internet access. Btw, your advise is really useful to me, especially about how to save the money.

On the other hand, I already spoke to my GF regarding to sign the paper first. But she really want the wedding dinner altogether. The reason is she is the eldest in her siblings and want avoid some sort of disrespect to elders/parents in her tradition. So now I guess we need to proceed with this plan. Regarding the expenses, only after married she told me to help with the house loan repayment. For now she also has no saving at all to support the wedding!!

Maybe one of the bright news for me right now is that my mom is finally willing to welcome her in our family. Just awaiting to discuss the next stage. But she also concern that I don't have savings. Aiyaa..

Recently one of my best friend is married. He advised me to start prepare this year as the price of ring and the rest will be more expensive next year. Then later when GST come, much more expensive. Matila. So in conclusion, my BIGGEST enemy right now is MONEY.

If you have a steady job, it is still not the end of the world yet.
Swipe the whole amount into your cc and do balance transfer for 12 month or longer period repayment?
If all else fails, I have seen couples taking personal loan for doing a wedding dinner.

Money is NEVER your enemy.
When you look past all that, it is merely just a tool.

Thank you kons. It was a brilliant advise.

Congratulation Violet Slayer..
Yes, gold price is increasing (approx. 20%).. I remembered the solitaire ring (D&P) price I bought less than a year was now 20% expensive (with almost same 4Cs spec).. Better buy it and you can opt to pay instalment with zero interest for 6months or 12months.
This is out of topic, I saw you in Aker Solution forum.. you now in O&G industry?

its is better to work out finances before getting married as it is a hugh commitment

Marry her and manage as you go by. A lot of things can get sorted if you both willing to compromise sensibly.

Hurmm..thus I should buy it now isn't. I will try to work out on this. Maybe will buy or no.

Oh really? It was a long time ago.. actually I just 3 days working in a new company now. As for now my role focusing not in O&G. But future may have. My current company business is diverse (as it is a worldwide company).



Yes. True enough.



It will be challenging. But this is the option I think the best right now.

Bro, nothing is impossible.

I also had major worry about finances. That time tunang, I thought maybe still got at least a year to save and prepare. but relatives on both sides pushed for fast wedding 4 months later! So even with about 1k savings monthly, still had to korek here and there for extra funds.

my wife from sabah too. there can find pair of gold rings for under rm800. also we did kenduri in kampung so jimat a lot since org kg gotong royong and saudara bantu here and there like sponsor wedding cake, etc. this is where communication and social skills play a big role. if you manage to get on everyone's good side and people like you, you will start seeing favours come. even if not immediately, at least with more guests chances are more angpow that can cover some costs like sewa penginapan and transport or for honeymoon. make an effort to build positive relationships even if you are not the kind or feel shy. trust me.

some ways of korek-ing for money:
1. sell any unnecessary possessions on LYN, Mudah, etc. identify things that take up space or simply not used. We sold unused or under-utilised mattress, laptop, table lamp, mini bar, table fan, handheld massager, portable car seat massager, dumbbells, extra vacuum cleaner. of course, be prudent but a little goes a long way.

2. Find cheap photo studio or ask friend or family who are photographers to help. Jalan ipoh got a lot cheap photo studio package comes with album, photo frame, wedding gown/suit rental. We paid only rm1500 coz got promotion. Results not bad also.

To change habits is difficult, but not impossible. If u are a smoker or drinker, quit. I did so and started focusing on fitness. Every free time, go to taman for jogging and other exercise routine, maybe swimming/cycling if you like. First thing is it's FREE and importantly get yourself focused away from negative lifestyle plus get you in shape for the wedding. i read somewhere that it takes about 21 days to a month to make or break a habit.

Regarding finances, if your gf is prudent with money, let her handle it. I passed some financial decisions and money to her as she's better at managing money while I focused on finding other avenues to find money or focus on work when i had to. Cook and eat at home. If can't cook or lazy, learn and stop being lazy. Mind over matter. Exercise frugality and best way is to avoid temptation like go window shopping or browsing internet for happening events and gadgets. my spending at one time was quite bad also, but now I only go to the shops when i have to.

lastly, if you are a person who believes in God, then don't stop your prayers and hoping. you can do it. BELIEVE but also be WISE by taking ACTION.

This post has been edited by PrideNeverDie: Nov 12 2014, 08:38 PM

In what company now Bro Slayer?

Suggest you to consider drag the wedding plan to 2 yrs and discuss with your gf to both start working together to save for the event. You are just 27yrs old, right? Not too late to save for few more years to gain financial stability to build a family.

Work out a monthly expense budget plan. And strictly following it. Avoid using credit card if you cannot monitor your bills properly. Reduce going out, if possible eat in during weekend. Bring her home to eat with your family. Save, save, save.

As for the wedding, be as simple as possible.
- no fancy ring, go for simple gold that carries value. Since $ is tight, gold can be recycle when your finger size "grow" after become aunty/uncle.
- no need wedding photo. Just take some memorable nice pictures during the event itself. Studio photos is too fake. I had mine because my mil wanted it (but on our own expense).. now the album hide deep inside my drawer, untouch.
- normal chinese wedding dinner usually can be balance by angpao. During my time, I didn't hold the reception putting upfront that we don't want to have the dinner and told both parents they can do the reception themselves, if they insist. So, both side parents did organise the wedding dinner, and they took the angpao and pay for the restaurant. The bride & groom only be the puppet and be there to let them hold the wedding dinner. The only unfortunate thing is that my hubby parents have a lost over the wedding dinner due to they invite the whole kampung and asking us to pay for the balance.

- talk to your gf to discuss the $ hantaran.. ask her reduce as much as possible.. if cannot.. you can only drag the wedding even further.

I had to admit your idea is the best so far. Not only you are recommending places but also activities that save money! And yes, as for now, I already reduced 30% of bad spending habits since mid this year. Thank you as well for the tips of "21 days". I think I should try it! Lastly, you are right, I need to continue my prayers. Hopefully when the time is right, my GF and I can get married.

I don't really want to mention the name here. But it is a US-based company and located in Shah Alam. Why? Are you searching for a job?

Hi, thanks there for the advice. But I think we both can't wait for too long..

~ keep the guest list small

~ cut the bridal party - as a UK bride,the attendants attire falls on you to pay for (unless they don't mind paying for their own - in which case,keep the cost of the outfits to 100 or less)

~ make your own wedding stationary.google wedding invites for inspiration.keep them simple,avoid bulk adding embellishments such as bows and do your RSVPs by phone/e-mail so you don't have to pay return postage

~ skip the photographer if it just isn't in the budget - don't go with a cheaper photographer,you will end up burned.instead,ask your friends to take pictures (most people have digital cameras these days)

~ buy some plain,white iced sponges/fruitcakes from a supermarket and decorate with fresh flowers/buckles and ribbons/a topper and save a couple of hundred on your cake

~ a buffet may be cheaper than a sit down meal

~ skip the favours - nobody will notice you don't have them

~ cut the alcohol or serve another sparkling wine instead of champagne (nobody will notice).add elderflower cordial to make it go a bit further.cash bar is fine in the UK

~ swap skills for gifts - know anyone with a nice car?see if they will drive you,or your grandmother could make your cake and your hairdresser friend can do your hair

~ buy flowers in season and wholesale and make your own bouts and bouquets - plenty of masterclasses on line

~ buy your cheap wedding dresses from a sample sale,from a former bride or a wedding fayre.check out the cheaper designers and hit the high street - stores like BHS,coast and debenhams have some beautiful dresses that wont cost the earth.same goes for future hubby - he can rent a suit or buy a decent one on sale.george and matalan have some great suits for under 50

Getting married now these days very hard. me also want to get married but financial not stable yet.

want to get new home to married also cant as bank only give out 70% loan that i need fork out other 200K. How in the world KL people can fork out RM200k cash as down payment.

Me and my GF dating for 10 years already. very sad.