IMHO, save more and invest in dividend stocks
if lets say one month both of you can buy a annual dividend about 500 MYR shares.
12 months u already can buy 12 shares.
12 shares x 500 Ringgit = RM6000 per year.
use this to compound again into the next year.
each year + 6000 MYR.
1st year = 6000
2nd year = 12000
3rd year = 18000
4th year = 24000
5th year = 30000

Seeing money grow is better than letting money go into the drain... spend wisely

If 5 years paying RM2060/monthly (installment + service fees)
1st year 12 months = 24720 MYR
2nd year = 49440 MYR
3rd year = 74160 MYR
4th year = 98880 MYR
5th year = 123600 MYR

Comparing savings and spending ... see the difference?