I sincerely hope your statement is true because if one can spend rm300 on whatever I name it.

Against you are wrong, if you are not working in KV and how can your cost of living is equivalent to KV? And yet you can only spend rm300 per month inclusive of everything? I would said this sound like a fairy tale rather than a true story.

Well let's break it down shall we?
Prepaid RM30
Internet RM45
Petrol RM30 or less
Water RM10
Electric is free as I used less than RM20.
That leaves me RM185+ for groceries which include my food as I packed food from home. Wholemeal bread, cheese, Vegas, eggs etc.
No movies or overseas holiday.
No need for astro or Netflix.
No insurance. I ultise govt health care.
No branded clothes or shoe. RM5 slipper or RM30 shoes. Which can last months. Bundle clothes at RM1/baju (real ori 2nd hand branded clothes which looks as good as new)

Well why cannot? Traders take adavtange saying everything need to buy from KL. Hike up price based in "delivery charges"
GST abolished but price went up.

This post has been edited by Ramjade: Sep 4 2018, 03:01 AM

Since we are talking about extreme, it is only fair we see the other side of the scale. Following is NOT even talking about those billionaire type of expenses

Let’s break it down shall we ?
Monthly expenses include living in multiple countries during the month, so multiple houses, cars, everything...


Telco expense ~RM1k
Internet ~RM1.3k
Petrol ~RM5k
Water ~RM2k
Electricity ~RM10k
Food and stuff (home) ~RM8k
Dining out ~RM10k
Plane ticket ~RM60k
Houses maintenance ~RM20k
Cars maintenance ~RM15k
Healthcare insurance company pays
Personal and wife grooming ~RM15k
Shopping (wife’s, gadgets, electrical) depending on mood ~RM30k
Hobby (golf, flying, wine, audiophile, photography, sports equipments) RM30k
Ad-hoc (buy new car, holiday house, watches, antique) etc fluctuates
No loans, so don’t have installment to pay

Source : business and investment income.



Note : above numbers are from “my friend”

Fair enough. If I have that amount also maybe I can do it. But too pricey.

I can guess who is that friend

RM300-RM115= RM185 So who's calculation is wrong eh??

I ride bike to work also RM30 petrol per month TS Say he drive car kekeke

Just sharing. Currently loaded with all the housing loan and breathless! Hope my 1st house can sell out ASAP.

House 1 = 2.4k
House 2 = 2.9k
House 1 maintenance = 250
Utilities = 120
Insurance = 250 (personal) + 200 (Child) + 200 (House MLTA insurance) + 100 (parent)
Childcare = 900
For parent = 500
Transportation fare = 500
Monthly groceries = 150
Food & Beverage (spend on weekend only, weekday covered by parent homecook) = 250
Hotlink prepaid = 35

Total = around 8.5k (FIXED)

Currently no saving, only got a fixed deposit in my bank that annually can give me extra 4k. Other expenses will shared by my wife, like baby formula milk, dryper, car petrol, so not listed in to my expenses.

Actually Rm20 electricity is possible. My neighbour back my hometown, a family of 3, they never paid any electricity (below a certain amount then no need pay) They never switch on fans or light at night. They all sleep on time like around 9pm. Use candle at night if they really wanna do something. BTW, Rm20 surely is no TV, No broadband running 24/7, No aircon. Only fans spinning during night, No water heater shower, no computer or laptop only use your phone.

Currently my house 1 apartment rent out to 2 students for whole unit. They only use rm35 per month. My apartment come with aircon and broadband, washing machine, water heater, no TV only. Not sure how they use 1. LOL

This post has been edited by yoonyin: Sep 4 2018, 10:44 AM

No need. Govt give free electricity if use less than RM20. Apparently you didn't know this huh? From badawi era. Carried forward to najib time.

Of course is possible. Learn to live without air cond, water heater, washing machine. Sleep without lights. Off all electric items + pull out plug before leaving house. I use fan + natural lighting + window for free breeze.

Air cond and washing machine are big electricity suckers. I never pay a single sen of electricity since I started

Learn to pack food from home. Doable if you are on wholemeal bread, scrambled eggs sandwiches. Learn to eat at work place canteen or find cheap economy rice stall.

Just because I have achieve the impossible, doesn't mean it's really impossible.

You believe is impossible because you have never tried my lifestyle.

Below is evidence
For me only fan + light +laptop + portable modem router which on only when at home

This post has been edited by Ramjade: Sep 4 2018, 10:44 AM

Haha very imaginative comeback indeed. I've seen you making noise with more than a "few" comments like this that totally did not contribute to this title topic and without valid points - instead sounding out others for their comments.

Back to harping on the title, don't be so shallow minded la - the title is suppose to spur other topics relating to monthly expenses - on how people manage their expenses, how they plan their income etc. Just because the topic of conversation don't suit you , you want others to talk about something you like? Narcissistic little prick you are.

So before you start sounding others, learn to shut up first?

With regard to the will topic, others are interested they want to know more - they ask. If the topic steered too far, why not kindly ask others to start a new thread and steer topic back to title. Instead of rambling like some low class lunatic.

Indeed does sound very tight monthly. Unless you earn about 10k per month but after EPF/Tax prob also 8.5k a month. So unless you can make a tidy profit off the sale of your house, dont think investment in real estate is the right strategy (at least not for you now)

yea, strongly advise to those youngster looking to buy their first property. Don't blindly and so hurry throw in your money into property since the package nowadays very attractive, Rm5k downpayment can buy a apartment already.

My first house (apartment), is my parent forcing me to buy the property before (DIBS) when i'm still single. As i have no experience in this property field. Just blindly and fork out my money and own the apartment. Because that time i was single, my commitment wasn't high. But after 3 years, the apartment has fully built, and i got married and got a child to feed. But currently my apartment being rented by students as they will move out at november. After november, my budget will be very tight!

Depends on the car you drive and whether you use air cond. I drive kancil without aircond. You think leh where my petrol can reach ~RM30 if I drive big cars and go everywhere with air cond.

Seems out of porpotion. Spending on housing loans are too high and your spending on your parents seems small compared to your salary. 100 insurance for parents can’t really do much in case of medical emergencies

I’m done discussing this with you. It’s either your travel distance is something unrealistic for KL people or your parents have been secretly pumping petrol for you. Period.

Bro I don't work in KV and I live alone.

Why don’t you tell us how far is your workplace and how you arrive to this figure. This would clear things up

he did say before he drove at a speed that people want to horn and punch him to save fuel and money. so go figure. his ideas are very personal as in it works for him but i think most can't really use for themselves.

Contrary to popular believe, driving slowly doesnt save fuel. Every car there is a sweet spot for the best fuel efficiency, and 40kmh is almost never it.

Edit : And if he has to go to such lengths to save a few dollars of petrol, go buy a kancil or use a bike.

This post has been edited by MeToo: Sep 4 2018, 11:39 AM

Lol if you want to argue, maybe stop trying to copy words from me? Cause it makes me feel that I'm talking to a parrot or a small kid.

My statement is not asking people to shut up, dear friend. My statement is asking you to stop harassing others on their topic and asking people to "stick to title" yeah. Try to read properly before making pointless statements yeah (oh i'm practicing your statement here, you must feel so proud hahaha).

Also I contributed a few pages back , feel free to browse yeah. Save yourself some face and stop arguing with me.