nowadays there are more units available than money
any day try also strike....

Pick up another RM50k
Congrats

Depend also. I already move 50% of the ASG to ASM.
Because ASM give better. No need to scare like now. The price drop till I no eye see. Luckily rate at 2.8% or else. I really don know what to do lol. Most likely will increase slowly once market recover.

Cannot move now. Or else rugi teruk. Haven't even 1 year yet.

Yea... U put alot?

Damn. Thank god receiving interest for 2 years already. And manage to sell during KLCI around 1750.

Rm45k. Rm15k spread out equally.

Hi Ramjade.... Yes, I hold quite some PNB Units too. I do have the records for ASW2020 that date back till 2008. Highest was 7.00% in 2008. Lowest was 6.30% in 2009. Last year was 6.60%. The yr before was 6.70%.

Hmm, tempted to buy more ASM and ASW2020,... but really nervous about it. IF the RM turns into 'banana notes',....thn we are stuck. Or if PNB dies.

Look at it this way. Mr guy, is still dumping money into ASX.

A gud start to life as Student have so much $

Well I don't drink. Smoke, go shopping for fancy shoe, clothes, latest gadgets, drink Starbucks/chatime, eat at fancy restaurant, never spend my angpao money. All pocket money given to me, will be put into FD, (before this was using fd) short term money in maybank2savers/Truesavers.

Buy only what is needed. Shop for clothes at pasar malam, bundle and tesco only when needed. No car. So no petrol cost. Cinema also like 2x/year. No loans.

In short, I am cheapskate and frugal guy. Dream of having rm1m in ASX but dreams are just dream.

This post has been edited by Ramjade: Aug 13 2015, 03:03 PM

It seems u have so many "if"
If tis n tat, I suppose can say gud-buy to Investments

You can refer the few hundred post before. Most of us here chip in once we have the chance..


Testing emotion ✈🚄🚉🚑🚕🚚🚥⛔🔰🚫🚬🚩🅿🚧🚢🚗🚒🚌🚅🚀🚃🚇🚏🚓🚙🚤🚨🚭

Wow. Just realise lol

hi.. you are also Kuchingnian..

haha.. i thought i am alone...

not sure at the moment, have try to go a few of the agents, but not successful.. although adding a bit of sweet talking and smiling face..

On the contrary, I have many diversified investmnts, and stil looking for more. The"if's" come in the course of due diligence to be executed before invsting. I am tempted too by ASX, only need to do my dd now.

Seem like u are live in Melaka , anyway just went to RHB - they teller jz said try ur luck - kalau Ada , adalah , x da pun x boleh buat apa .... Lol...

Student even richer thn those who working ...got to learn from u.

so managed to open?

Sarcastic or what?

This is how I save
Clothing
My t-shirt RM5.
Shorts also RM5
Slacks RM 25-35
Cargo pants RM25

Gadgets (going to push until they spoil)
1 x laptop (almost 5 years old). - Maximum budget to change when spoil is RM3000 so that my parents can get relief from income tax.
1 x handphone android (will never buy iphone) - (almost 2 years old) - If change will get xiaomi.
1 x ipad air 2 wifi (on promo - save about RM300) (less than a year old) The trick with ipad is JB so can get apps for free and DON'T UPDATE the ipad unless it is ios8.x-8.x. If is ios8.x-ios9.x DO NOT UPDATE Each update will cause it to slow down. After all, I am using it to just read uni textbooks. No games nothing. Why ipad? Battery life cannot be beaten by any android tablet. Why need to buy 3G when I am always on WiFi? (save another RM200-RM300)

Internet
Wifi - Go starbucks, sit down don't order anything and use their wifi.
Campus internet
Worse come to worse use my own 3G internet. RM68
Phone - Call & SMS using WA, Reload RM30/year

Shoes
RM72/year (cannot save as I need to have waterproof and non-slip shoes)
Sandals RM6-RM10 (can last for 2 years like that)

Lifestyle
Food & drinks
- No fastfood, no starbucks/chatime/alcohol. Just buy chapfan and lots of vege dishes. Only 1 meat dish. Total RM6-7/meal
- Groceries shopping = RM300/month (all fruits and veges, soap)
- No girlfriend yet.
- No birthday celebration. If I go for friend's birthday celebration, sure burn minimum RM50

Fun
- No cinema unless is Marvel and get recommendation from friend. That one also make sure ticket is about RM10. See post on internet
- No mamak. Waste of time and unhealthy
- No clubbing/karaoke (no alcohol and karaoke will spoil your ears in the long run)

Transportation
- Walking everywhere
- Public transport

Others
- Using ebooks so no need to waste money to buy real books
- Use Maybank2Savers/Ambank True Savers and 1 month eFD from Maybank (3.25%. Results can only be known next month)
- Online business (small side income helping people to bypass internet restriction)
- Not using credit card yet as parents don't trust credit card. But when I do get one, I will be able to boost my savings further.

So that is how I save. My parents told me the pocket money is yours. Up to you, you want to do what with it. Kind of sad, some of my friends don't even know what is FD. Also, some of my friends by end of the month, no more money (cause alcohol/clubbing/celebrating friend's birthday). Any extra all goes into the online saving account + eFD.

This post has been edited by Ramjade: Aug 13 2015, 06:24 PM

Dude, save save save.

But.

DO NOT EVER SACRIFICE HEALTH.

Listen to me.

Talking to me or Hansel?