average income around RM3.5k (before epf, socso and tax deduction)

my avg monthly expenditure
Car Loan: RM630(4 more yrs ><)
Petrol: RM200
Insurance: RM300
Parents: RM350
Food & Ent: RM250
Fitness First: RM150
misc shopping: RM200

Balance will be accumulated in Savings then transferred to FD or invested in trust funds when it reaches >8k as force savings.

I'm saving more than 10% but it doesn't look alot to be enough.