Got degree or not 2.5k.. lel..

apa macam TTDI groove? Hehe near oni..come over to new row of shops in ttdi if wanna do curtain ok..

yup , i just don't have the extra money at the moment to spend it.
i know , need to save alot , hear bout of my frens from baby check to labor used up bout 10k-15k depending on which hospital.
Too bad not much ppl believe in goverment hospital anymore.

i dunno got degree or not

where is your shop? pm me?

Ya not good but at this time only can get nasi kandar haha.. Think to go prai/butterworth stay, but once i moved there, its impossible for me to back to penang stay again as you know penang housing price hike like crazy and mainland one hike slowly..

U from pg mainland ya..? Pg island is 1.2k leh babysitter..

Yup. Injection full rm47x one time haha

Go semi government...  fully private price kills.. inb4 many still labour in gov..

just make sure a  O blood friend standby.. last time mom labour me 4k nia.. 30 years ago lar cheras kl area..

if wife and you working.. need nanny too .. here rates 800 to 1k.. mon to friday nia.. 7am till 7 pm.. foods not included..

medical cards when baby time .. pru mum.. aig mum...muz buy

3k at age of 25, going to be 26 in less than 2 weeks. I regret work till midnight, bullshit advice by those who are more senior.. I should have ply my steam at home and go back on time!!

wah    , now so high standard, both parent also have to work loh.
no choice, for better future.

not enough income don't even think of giving birth o, now got money don't even think of buying house also.

Yes.. Currently mum in law help take care because wife still there in maternity period.. She going to start work soon and later my baby will ask my mum help take care but still need give extra 500.. No matter how much we earn also not enough.. Because everythings are too expensive.. How many squarefeet the landed house?
My advise for you bro.. Buy house now.. No matter how hard, buy house... Car can put away first..

Dun too worry.. having child cannot plan one.. it comes then it come lor.. many oso unplanned.. but at least make sure education.. health.. food cover..

worry too much / plan this plan dat.. later nth goes right..

yes.. both working is better.. solo hard to sustain..

property is a must.. how long can you rent.. inb4.. tomorrow mb bank will increase interest rates for loansafter USA hike fed interest.. juz mb..
500k loans mb extra 200 monthly..

see mother in laws or mother want help look after grandchild or not

Yes.. Currently mum in law help take care because wife still there in maternity period.. She going to start work soon and later my baby will ask my mum help take care but still need give extra 500.. No matter how much we earn also not enough.. Because everythings are too expensive.. How many squarefeet the landed house?
My advise for you bro.. Buy house now.. No matter how hard, buy house... Car can put away first..

Current public bank loan is 70% balance left of your net salary, this include those commitment..

Assume 1k salary left after deduct commitment,
So you got 30% which is rm300, it will be your monthly installment.. Max rm300..

Rhb is 50%

Like me lor.. I got married 3years earlier as planned.. My wife agong ahma die liao, then her relative ask if want to married need within 100days.. If not 3 years later.. But that one can be bypass la, got trick also one.. Then my wife ask me that time, i want marry her that time or not, i tell her i will marry her if she wish now.. Then she wants it.. I have no saving, no credit card, no support from parent.. Nobody could help me in financial.. Then the only choice is sell away my old superbike to cover my wedding.. After wedding, my wife wish to travel but she undertand im lacking of money, i looked at her, she looks disappointing and sad but trying to hide it.. Then i immediately bring her go to buy honeymoon ticket.. So after 3mths, we went to honeymoon, my wife wish to have baby, so we both working hard, in 1month time she got pregnant.. We dont trust govt hosp so we go for private specialist centre for labor, picked good doctor for wife and baby.. Until today lo... So this is my happiness and sour story.. Lel

Like me lor.. I got married 3years earlier as planned.. My wife agong ahma die liao, then her relative ask if want to married need within 100days.. If not 3 years later.. But that one can be bypass la, got trick also one.. Then my wife ask me that time, i want marry her that time or not, i tell her i will marry her if she wish now.. Then she wants it.. I have no saving, no credit card, no support from parent.. Nobody could help me in financial.. Then the only choice is sell away my old superbike to cover my wedding.. After wedding, my wife wish to travel but she undertand im lacking of money, i looked at her, she looks disappointing and sad but trying to hide it.. Then i immediately bring her go to buy honeymoon ticket.. So after 3mths, we went to honeymoon, my wife wish to have baby, so we both working hard, in 1month time she got pregnant.. We dont trust govt hosp so we go for private specialist centre for labor, picked good doctor for wife and baby.. Until today lo... So this is my happiness and sour story.. Lel

My baby is 1month and 12days now.. One time drink 3oz milk, her self alarm clock set within 1.5~2hr.. So hard to sleep. If she wake up after 1hr and 30min, after finish milk need make her sleep back, so sleep awhile then wake up again.. Sent her to mum in law so i can sleep and work.. Lel

wah so little nia , mean that i have to share my house with wife loh.

that a good story 

every guy tell the ladies if marry is your wish then wish granted , in future sure kena sound...
happen to me be4...

Got degree 2.5k really underpaid at age 30s..

Domino pizza there.. got potato signs.. wall papers.. binds.. curtains.. hehe..

How many hour u work a day?

3k at age of 25, going to be 26 in less than 2 weeks. I regret work till midnight, bullshit advice by those who are more senior.. I should have ply my steam at home and go back on time!!

Investment ah? First set ur limit to buy within affordability.. areas that suit you for long term.. dis climate one prop you choose stuck with long time..

choose new areas or established.. cheras.. bandar tun hussien.. balakong.. salak selatan..pemaisuri..