Once I heard a guru said this and I like it a lot ....

"If you manage the people, you are a good manager"
"If you manage your products, you are a good marketer"

but if you manage finance, you manage EVERYTHING.

where can I buy these Jars ?

u r just fine ... toiletry is not too much if your look, appearance etc is important in what you do for a living. metrosexual guy is the best a male can be in this modern age.

insurance is a must, whoever say no now will regret MORE than whoever 'waste' money in insurance now.

your budget seems ok, eventually your contribution to your parents and siblings will turn into your own family growth. when things go bad, you may cut those and they will understand if they love you as much you to them.

as for the food, u can start to be more innovative, go look for food as good but cost less is quite an interesting journey ... cut stuff like starbuick, coffee bean etc. there are better coffee out there ...

don't cut on books neither, just narrow down to the Right and more quality books/magazines. but if you didn't finish the books you bought last month, then its time to 'reduce'

if the purpose of asking is to save then you may have started with the wrong feet. The right way is to save First then spend later, not to spend budget and see how much you can save. in addition to that, you should setup a system to 'automatically' save your monthly income before you even touch it. wherever you are saving should also be a place which is not convinience to withdraw ...

http://malaysiapersonalfinance.blogspot.co...al-finance.html

some gf/wife help save more

true indeed !

btw, check out this blog, the top right side shows the most recent best rates of FD, BLR etc.

from http://forum.lowyat.net/index.php?showtopic=940717


RM 2k to RM 5k by Malaysian white colar workders.

RM 600 to RM 1.8k for blue colars.

can see the differences among poor, average and rich here in this blog

This post has been edited by mtsen: Feb 19 2009, 11:49 PM

this recent move by Robert Kiyosaki is really more damaging than constructive ever since he propagate out this idea saving is bad ...

if you read carefully what he was saying, its no different that you should save into 'correct' and 'proper' vehicle and not just keep money in saving, FD or bond funds. And ofcourse he was going for property in his own case.

its a R E L A T I VE thing, sure cash is trash but my rubbish is more trash than cash. So by the title and the way it was said, ofcourse it SHOULD attract attacks and defenses more than acceptance and construction.

term insurance is short term, whole life insurance is long term