QUOTE(Ramjade @ Jul 30 2018, 11:06 AM)
Be frugal.
KV use umobile cukup. RM30/month with 7.5GB Internet, free 30 min talks. And I am not even in KV.
Car get 2nd hand car. In the range of RM10k can get already. Who asks one to buy super fuel Sucking car? Kancil, kelisa viva, axia are all super fuel saving car. Siapa ask to buy Honda or Toyota first hand. Even if buy a brand new 1st hand car. Buying big car only only cause misery.
1) higher petrol
2) higher taxes
3) higher price
Small car RM30/month cukup. I am living proof as my car only use RM30/month.
Breakfast drink fruit/vege juice eat drink oats. Super filling and healthy. Makan just pack your own food. Scramble egg/tuna in wholemeal bread. Makan also makan at economy rice stall. I pack my own lunch and dinner to work. RM300 for my makan which include groceries.
Do you even need pocket money? I don't. My excess goes into my savings/investment chest. I don't need anymore savings as I have already build up my emergency savings and they can last for min 2 years worth of expenses.
CNY only once a year. If you have saved enough, CNY won't be big issue.
Clubbing is ownself find fault. Easily can burn RM200 there. All alcohols and why should I burn money to prison myself slowly when the money burned for clubbing can be used to buy healthier food or make more money. Is clubbing really needed?
This time of day, you don't need movie nights out. If you need movies night out, how much do you spend? I only pay for parking + fuel + movie ticket. That's it. About RM10 total. Nothing more. No popcorn, no pepsi/coke. Again I am not paying money to prison myself.
My income tax and EPF is already deducted from my salary. Have no say in it. But what I do is make sure to claim back what is mine. Make sure my income tax is lowered hence claim some money back from govt. So many legal ways to reduce income tax.
Do you need yearly medical checkup? If you go clubbing, poisoning one with Malaysian food, then yes. If you choose to go for min 70% fruits and vege diet, then not needed. Majority of medical conditions in malaysia can be prevented by change in lifestyle and spending. Diabetes, hypertension, stroke, heart attack kidney problems are all a result of poor healthy lifestyle.
Again is that overseas trip really important? Can you survive if you never go for one? Is been years since I actually go on a trip. Imagine if you can save RM3k/trip. For 10years you don't go, there's already RM30k saved up.
If you have no money, there's no need to act like you are rich. If you are rich, do you need to scale your lifestyle up and give in to lifestyle inflation? Lifestyle inflation (the desire to spend more with increasing salary) is what's trapping middle class people. If salary naik, you think other things won't naik? Come back to square one.
You don't need high salary. You just need to know how to save and be frugal. Cutting out things from one's lifestyle is hard as it requires sacrifice. Not many people can sacrifice things. You don't get something if you don't give up something.
Right attitude towards frugality and savings for the future. KV use umobile cukup. RM30/month with 7.5GB Internet, free 30 min talks. And I am not even in KV.
Car get 2nd hand car. In the range of RM10k can get already. Who asks one to buy super fuel Sucking car? Kancil, kelisa viva, axia are all super fuel saving car. Siapa ask to buy Honda or Toyota first hand. Even if buy a brand new 1st hand car. Buying big car only only cause misery.
1) higher petrol
2) higher taxes
3) higher price
Small car RM30/month cukup. I am living proof as my car only use RM30/month.
Breakfast drink fruit/vege juice eat drink oats. Super filling and healthy. Makan just pack your own food. Scramble egg/tuna in wholemeal bread. Makan also makan at economy rice stall. I pack my own lunch and dinner to work. RM300 for my makan which include groceries.
Do you even need pocket money? I don't. My excess goes into my savings/investment chest. I don't need anymore savings as I have already build up my emergency savings and they can last for min 2 years worth of expenses.
CNY only once a year. If you have saved enough, CNY won't be big issue.
Clubbing is ownself find fault. Easily can burn RM200 there. All alcohols and why should I burn money to prison myself slowly when the money burned for clubbing can be used to buy healthier food or make more money. Is clubbing really needed?
This time of day, you don't need movie nights out. If you need movies night out, how much do you spend? I only pay for parking + fuel + movie ticket. That's it. About RM10 total. Nothing more. No popcorn, no pepsi/coke. Again I am not paying money to prison myself.
My income tax and EPF is already deducted from my salary. Have no say in it. But what I do is make sure to claim back what is mine. Make sure my income tax is lowered hence claim some money back from govt. So many legal ways to reduce income tax.
Do you need yearly medical checkup? If you go clubbing, poisoning one with Malaysian food, then yes. If you choose to go for min 70% fruits and vege diet, then not needed. Majority of medical conditions in malaysia can be prevented by change in lifestyle and spending. Diabetes, hypertension, stroke, heart attack kidney problems are all a result of poor healthy lifestyle.
Again is that overseas trip really important? Can you survive if you never go for one? Is been years since I actually go on a trip. Imagine if you can save RM3k/trip. For 10years you don't go, there's already RM30k saved up.
If you have no money, there's no need to act like you are rich. If you are rich, do you need to scale your lifestyle up and give in to lifestyle inflation? Lifestyle inflation (the desire to spend more with increasing salary) is what's trapping middle class people. If salary naik, you think other things won't naik? Come back to square one.
You don't need high salary. You just need to know how to save and be frugal. Cutting out things from one's lifestyle is hard as it requires sacrifice. Not many people can sacrifice things. You don't get something if you don't give up something.
But abit extreme on some of the things. Feels abit miserable to want to save on every single thing.
Medical checkup should be a priority. No one can predict the human body even if you eat healthy everyday.
For trips , if you are the kind of person who don't derive enjoyment from going holidays, yeah sure just skip it. However in life, trips are one of the life's enjoyment, it allows you to experience other's culture n lifestyle. The advice should be to holiday based on your budget. Fly during non-peak season, stay airbnb or travel lodges, go with friends and share expenses. Travel is much cheaper these days.
At the end of the day, money is just money. Your life isnt just to work, save then die. Its work, save, enjoy, live.
Jul 30 2018, 03:17 PM

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