UNIFI can downgrade back to Streamyx back?im IT person..remote/VPN/high speed internet is part of my life      -->use your time to uber/grab instead of watching internet. streamyx not cheap also. dont bother.
DIGI = good suggestion..will do it  -->change to umobile. free 1gb each month. sufficient for basic use at rm30 with 214minutes of calls.
TNB+SYABAS = can't help..baby need to have aircond else wont comfortable..fan wont help..outisde have bad weather.    -->move everyone to one room. set room temp to 27. this should lower at least rm50.
KIDS / KINDERGARDEN FOR 2 RM1,000 = its the cheapest since it cost for 2..one of it infant..market now is RM500
-->kindergarden is not compulsory. if wife not working, ask wife to teach. if die die must go, send only at final year.
COWAY = will do .thanks
-->check out where they dont have service and claim you are moving there. check how much to break contract.

ady meet them
but my case quite difficult.

BRRK-i islamic ..since it islamic loan, BRRK will not cooperate with AKPK..worst case the monthly will be increase more than i didint do AKPK
MBSB ..same case..monthyl will be up..or dragged more years..25 yrs currently is quite long

after roughly calculated by the akpk, the amount monthly need to pay is RM3600 including c.cards for tenure 10yrs (before AKPK RM3500 without credit card)

only the concern is akpk for 10yrs rm3600..non-akpk is rm3500 but without credit card and no tenure
both way didnt solve ahlong issue