this ++++

- downgrade lifestyle, like very2 downgrade as same person who got salary with 2-3k permonth.
- if own that house, and if the rental much higher than monthly loan, rent it and move to other cheaper rental house, even a flat would do. if it would save u few hundred per month, would be better
- sell the car and buy cheaper car. but might be problem to buy it again since ur credit score rosak edy. unless u buy with cash, cheap and old proton car. ( wira, waja etc)
- if dont want sell car, do uber/grab car at night and weekend.
- cook at home, bring lunch to office. stopping drinking expensive things, plain water should do.
- find anything in ur house that u dont need it, sell it. even ur furniture etc
- aircond, normally want i do to save, is to set at 29-27c, then turn on fan, this will make u feel chill since the air keep moving.. and limit the usage around 6hours per day. so far my bill around 50-70 per month with 6hours daily usage of aircond,
- phone bill, even i also using rm60 just for prepaid including data quota. seeing u as IT guys, i think ur company should able to do telephone/internet claim allowance ? since i also IT guys, and i can get phone/internet allowance.