Last advice, settle the personal loan ASAP and can reduce the burden of rm1815 installment monthly. Keep the balance of rm9k for short time emergency use. Dump the car can save another rm1874. try rent the 2nd house can benefit to reduce burden of monthly house installment. By this way you can reduce cash flow almost rm3600- rm4600 for monthly installment. be remind your house might increase the value time by time and I suggest you can keep your houses at all costs.