nett income RM2,745 (after deducting everything)
car loan RM740
HP installment RM140
unifi RM190
medical card RM125
Spotify RM15
GYM membership RM129
Sell your car. Why buy so expensive cars? If I'm you I buy proton wira RM 5000. Can move to destination can already.
HP installment, you need to reduce it. Try to use Umobile, my monthly installment only RM 15.
Spotify cut it only, although not much. You still can use free version. For me I crack it, I know it's not ethic to do so, but you need to be little bit selfish when you can't even take care of yourself. After you become rich you can pay them.
Gym membership can cut down to RM 80. You go everyday? If not can find some gym with RM 5 per entry. I go 4 days a week and one month only RM 80.
Try to eat outside less, learn to cook simple meal, really it's not that hard, you might find joy in doing it too! I ate cereal for breakfast, I brought my own lunch to work. Dinner eat with family. And it's healthier too!
It's really not that hard, sometime all it take is just to
acknowledge the fact we are poor. Stop acting rich.
For me the hard part is that every time I look at my friends on instagram and fb travel everywhere, flaunting new iphone, new clothes, new cars etc it really made me sad. Cry a little. But then I will pick myself up very fast.
Repeat these enough and you will be numb to it and feel nothing.
This post has been edited by Nemozai: Jun 23 2017, 09:47 AM