I am a 36 years old Professional. Currently I work almost 7 days a week. Alternating between corework and part times. I m a big spender. I would like to say. If you want certain lifestyle, U ll have to make sure you got the moolah for it. But these two years.. I realised I m depleting my savings. I can earn up to 12k per month.. But hard to save. So I took a drastic lifestyle change as I have to sustain my parents and siblings. I also got a wife and 3 kiddos. Make sacrifices so they can eat better. I hope you can too. Based on your expenses up there, I reckon u can make some changes.

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The Car. I Commute Full time with a Bike these 2 years. Not that I have no cars. I got 3 old cars. Ranging from 34 years old to current Alza. But I hate to be stuck in the traffic daily. My office is right smack in KL and yes.. Being stuck in the traffic daily can be damn stressful. Trust me dude.. You can bypass the car.. Depreciating investment anyway. Get a used bike and commute with it. I dont pay tolls anymore except weekends when I travel with my family in the car. Guess my bike petrol consumption every month? RM36 only. I dont need to pay for parking. This is where you save. Of course the downside is... Riding a bike can be dangerous.. Especially in the city. But you got to ride carefully. Rain.. Now is raining season. Almost everyday I kena hujan. But pakai la baju hujanIf u can, buy a second hand bike cash. Few range u can select from. Take loan, confirmed rugi. GOod luck fresh grads. A car is something you guys can make do without nowadays.