Work place 20-30 km only spend RM30 on petrol? Pfft

So far yes, that's what our family been doing to keep cost low. Be good to family members and they will be good to you.

Bro don't on air con. Keeping mind this is a kancil.

This post has been edited by Ramjade: Jul 15 2018, 08:26 PM

Borrowing 10k from every relatives its selfish. You are taking advantage of your relatives.

If borrowing 10k its normal than walking shouldnt be deem as impractical. Since you only use rm30 worth of fuel thats 13.63 litre a month, 20km per litre thats only 272km a month / 26 days = 10km per day thats a short distance to walk.

By budgetting the car maintenance your shortfall should even be more than 24%.

Yes I know it’s kancil. And yes I know you are so extreme that you don’t even on your air conditioning. But assuming your workplace is 20km, that’s 40km two way. One month and it’s 800km. Don’t tell me RM30 you can go 800km.

i got my mouth in "O" shape after reading.

I don't mind lending RM10-20k to my relatives, Been there done that. Never expect them to pay back but they always do. Perhaps slowly. Some take like 5 years jus to pay back RM10k. No need to hurry people to return your money. Let them return at their own free will. Help family because in bad times they will help you. Friends and banks won't help you in bad times.

Perhaps you never try before. But I did. Went back and forth 40-60km for 3 days in a row, fuel drop only RM5 after that 3 days. So assuming one works only 5 days a week, you work about 22 days a month. In 21 days, you only use RM35 petrol.

That's why I said is doable. Seen with my own eyes. Was damn surprised at the fuel efficiency.

Is possible if you only borrow from 1 person if you borrow from multiple person, how yare you going to repay them and the bank loan at the same time.

You say you work 6 days a week? So rm30 a month of fuel is not your actual expenses. Seems like you forgot your own made up fairy tale of expense and savings.

I think he’s high and living in his own world. Let’s stop this here there’s no point arguing with him.

Difference between borrowing from bank is you need to pay back on time. With family take your time.

I work 6 days a week but the work place to my house is less 20km. But example I quoted was on a real trip driving 20-30km at 60kmph one way. Two way was about 40-60km. And as I said that trip was made fully without air con and it cost me total RM5 in that 3 days. That was why I said I am shocked at kancil efficiency.

Up to you to believed what I write. But what I wrote are all truth. You are free to doubt me and don't need to follow me. I am writing this so that people know that there's a way to save on petrol. Get the smallest cc car, drive without air con and one will have substantial saving.

If want to go for fuel efficiency choose BHP. If want best RM/L petrol, best brand is petronas. Can get about 10% discount with certain tricks (Cashback).

Maybe this is ur family culture but generally borrow this much of cash from relatives very likely the borrower going to live a faceless life whenever they meet up with their creditors, and being labelled as less capable that need not to give much face to them.

If you want others to respect you then you better don't take their advantage. You may choose to treat others nice but don't ever expect to get the same or better return favor from them.

While for gf part, as long she manage to save rm1895 per month then is enough tempting already right? Whether she blown the rest into latest iphone or handbag then u can accept?

Btw, ur plan to save every single rm just for a fat piggy bank? Or purely for back up of as many relatives as possible that come after for 0% interest yet can take their sweet time to slowly repay u back?

This post has been edited by kradun: Jul 16 2018, 12:45 AM

1. First you said you never let bank make your money because they are blood sucker. Now you said if you can't help, let them suck lesser.....good progress you have here.

2. You can't even detect sarcasm. You think PHEV don't need energy to run ? Instead of petrol, you need to charge the car using electricity....Again, nothing comes free in this world. You relative's loan maybe cost nothing to you, but it comes with a cost to them. Same as all other things like PHEV. If you don't pay for petrol, you pay for electricity

3. Hey, you are avoiding the question. You did not provide for the budget of bringing them to overseas. Which could easily cost 5 figures. You want buy house without bank loan, repay relative, use daddykasi things, and bring them for overseas holiday, but never put travelling cost in your budget. Yet you tell the world you can save 50% blah blah blah....all your plans do not jell together...more like a wish of a kid...

Do you see the more you wrote, the more forummers appear to question you ? And the silent readers will read what you said is very questionable....

Neither one of u r making much sense.

Arent u the one saying property prices nvr came down for the last 3 or 4 years? When the market has been in an obvious decline.

This post has been edited by flight: Jul 16 2018, 07:51 AM

You confused with some other forummers to me.

Recently, I openly said I expect price to come down. You can search in kopitiam DDD/BBB thread if you are interested. Hope the DDD and BBB discussion don’t invade this thread

Anyway, which part of ramjade and my comment don’t make much sense ? Eager to hear your opinion instead of just making a oneliner comment

Seems like u 2 r arguing about nothing.

Few arguments made by Ramjade is questionable but the only one I disagree the most is the borrowing money from relatives.

While you - yourselves go invest your money in 6-7% ASNB, you borrow your relatives money and give them 0%

That just sound very stingy! Why can't they do the same instead, give you interest free loan? If you owe ahlong then ok la, but now u say u wan buy house and they seems like must help you in anyhow form. It's like borrowing their money and invest in your own ASNB.

Anyways, not everyone have relatives to borrow from. What more, 10 relatives? Not easy bro. I don't come from rich family, so I know the feeling where there is no support from family/relatives/friend. In your case, I'm very sure you have somehow got some support from family/daddy/mummy/siblings/relatives. It's normal, you don't have to deny it. Nobody will laugh you for that.

Bro, another one liner ? Didn’t help people to know what is your point....

For your benefit of not reading from beginning, just to recap part of what me and bro ramjade is discussing so I can see your comment.....

1. He said he can save 50% of his salary.
2. He don’t need bank loan. Car is family’s. House he can save RM30k per year for 10 years, then only buy.
3. After a few posting, he said he can get loan from relative
4. Because relative loan is interest free, so don’t let bank suck his money
5. After that, he change to taking lower bank loan if need to buy house
6. Then he said will take family to overseas holiday in appreciation of interest free family loan

7. My point is most people can’t escape bank loans. He manage to because of daddykasi.
8. As such, he can save 50%.
9. His way of buying property is not achievable in 10 years
10. His 50% savings does not include provision to repay family’s gratitude
11. Also, he said his petrol expense per month is only RM30

Off my head, these are the gist of our discussion. They are a few others raised by other forummers

Now, which part are you referring to ?

only question i have is the rm50 per month petrol thing. wat is your driving distance everyday? and your cashback thing. how much did you spend to get full rm50 cashback without blowing your budget? what card is that?

To be fair, i nvr read the whole thing.

Why do u care what he is doing. If he chooses not to use the banks and to use his relatives goodwill. Then thats his choice, maybe his relatives r more willing. Maybe there r other circumstances. Or maybe he doesnt want to deal with the banks.

Provision to repay gratitude...?

You never read, but you make comment ? For the sake of making your presence felt ?

By the same logic, why do you care about my comment ? If you really don't care, then you should keep quiet right ?

Forum is where discussion takes place. Through discussion, each other's point is debated and readers will have clearer understanding. And we can have a consensus. That's the benefit of forum discussion

If everyone think like you, then LYN can close down...


Please read the whole thing. So you will make meaningful comment. Not saying something for the sake of saying...

U r absolutely right. Why do i care. Anyway, this is my last commrnt on this topic...