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post Jan 17 2016, 07:57 PM

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QUOTE(juiceaddicted @ Jan 16 2016, 11:25 PM)
oo. not doing it so quickly, just to do some homework,so when the time come, i know what to do.
I still uni student, now still the stage planning for a car, initially estimated to buy a property maybe around 28-30 years old. (by the time i graduate then 23 already)
but suddenly saw the plp buying property with 50k-100k, then i am thinking will it better if I go for property invest first instead of a car.
but if the return is not so attractive, i think i will stick to car first.
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I buy my 1st house at age 24, my 1st car at age 28
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post Jan 24 2016, 02:45 PM

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QUOTE(juiceaddicted @ Jan 19 2016, 01:01 AM)
Interesting.
at which age you start working? and what's the year you bought your house?

Initially i think in that way also, buy house first then only car.
but then i find it is quite hard unless i am so lucky to have my workplace near public transport area and not consuming too much times.
currently i travel to uni by lrt, it took me average 2hours 30mins to travel everyday, which my uni is only 15mins driving distance from my house(less than 20km). Most of my time wasted for waiting.

and sometimes you need a car as an opportunities, who knows your boss want you to outstation or travel several places to work.
so i still have to buy a car first i think.
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i graduate at age 22 working as RA (small salary only) than at age 24 got stable job and straight away buy a house after 9 months working...i have ngam2 rm15k at that time and actually not enough to pay for deposits + lawyer fee + stamp duty, but when you buy the house, you don't need to pay all at same time...1st pay the booking fee about 3% from house price..after few weeks/months than sign S&P pay another 7% than pay thee lawwyer fee half...wait for several months pay the stamp duty after several months than all the transfer process clear sattle all the lawyer fees...so during the waiting period, have time to collect money...
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post Jan 24 2016, 05:57 PM

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QUOTE(paskal @ Jan 24 2016, 04:49 PM)
research assistant.
usually paid RM50-60 a day to do research sit all day tokok and dota
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Haha, true but ayam fixed rm2k/month most of the week sleep at lab, can saving for petrol and some utilities
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post Jan 25 2016, 05:27 PM

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QUOTE(juiceaddicted @ Jan 25 2016, 03:30 PM)
but at now, i think 15k is not enough for downpayment bah?
for now maybe 300k-400k to get a average house?(average means maybe 3-4 bedroom)
Staying at ampang currently, even ampang i think hard to get, but when i buy house, location will based on my working location, but i think wouldnt too far from current location also.
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for 300K property, u need to have cash about rm35k in your hand..it's not easy if u r just graduated..but if u are discipline you maybe can save about rm1k/month and have the rm35k in 35 moths or about 2 and half year...another strategy is buy cheaper house, buy in auctions, learn about negotiating technique..
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post Jan 28 2016, 12:00 PM

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QUOTE(juiceaddicted @ Jan 26 2016, 01:06 AM)
I actually have plan for my expenses and saving when i work.
But the first two years i still need to spend rm600 on car installment, so i can only save around 400 per month after deducted all other expenses since is fresh graduate, doesn't expect high salary.
After two years then can save almost 1000 per month.
Still slow progress😂
It's easier to save money when live in small town. Even salary 1800 also can save 1000 per month.

Thanks for your advice tho.
Will try to read more about property now to learn more
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Why buy car that need to pay 600/m? Buy 2nd hand motor with cash and you got rm600 saving every month, a year you'll got r. 7200 and can pay booking fees for new condo project.. New project normally developer will bear S&P fees and sometimes stamp duty, got rebates and no need to pay other deposits sumore got free furniture..

After 5-6 years, sell the condo and you can brought your dream house based on your increase income at that time

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