Come I answer you here
1 & 2. That's not up for discussion. Main point I work about 14-16h/day, kena bullied/looked down by superiors/seniors.
2. I make it a point to read few financial blogs + few pages of financial books a day before sleeping. Off day lagi banyak reading.
3. Electric TNB < RM20 usage = free, water is fixed by landlord. Don't use washing machine, aircond
Phone umobile UMI30 RM30
Internet hotlink pass 8gb +1gb free/day/h RM45
4. Daddy kasi me education. Rest tak kasi.
5. See point 1.
6. Live commitment? Don't understand
7. No right girl as most girls I come across all spendthrift which put them into rejected list.
8. I buy bundle clothes. One piece = RM1
9. I have nothing to spend on.
10. I have no wish for PB as reward not worth it.

Anyone can replicate what I do. Be frugal. Do not spend unnecessary. When you have nothing your heart/Brain wants,
what can you do with your money? There's no secret formula or sauce involved. My way works for regular joes.

This post has been edited by Ramjade: Oct 12 2018, 02:10 PM

I acknowledge your frugality, but your level is just out of my league
Every person sees their wants and needs differently.

I will help to answer. He is working as a houseman (intern doctors) in government hospital now earning slightly lesser than RM4000 under contract.

Actually that explains how he live that frugality, because he had much less time to spare on other thing.
ie. relationship, shopping, living etc

But anyhow, that is both good and bad quality of his.

Age 27, single, living with parents (took over family business)

Utilities : 450
Groceries : 600
Petrol : 200
Eateries : 200
Parents : 2000
Socialize : 0 - 2000 (sometimes ppl belanja)
Entertainment (per year): 0 - 15000, as of now spent 5.2k
Outing : 0 - 2000

Er actually no. Good try though.

Er no. Like I said, if you have nothing fancy to buy how to spend money? I grow up without aircond, washing machine, heater, astro. So I am kind of use to.

My colleagues all complain no money cause they keep spending. But as mentioned when you are already used to bare necessities in life, you don't have the need to spend. Nothing catches your eye. When nothing catches your eye how to spend?

More or less on how one is bought up. If one is bought up based on frugality, he/she will be used to frugal lifestyle. If he/she is given everything since small, expect to be spendthrift when adult.

This post has been edited by Ramjade: Oct 15 2018, 07:53 PM

water + eletricity - 250
parents - 300
mobile -60
internet - 100
insurance (per annual) - 1200
petrol- 150
TnGo (2mths) - rm50
food - 1000
entertaiment : movie, sport - 60
groceries (per mth) - 250


I think my commitment consider very low after I compare to other haha.

Can maintain all this while working?
i think entertainment low a bit, expecially movies, games and hobbies.

Clothing and Travel no budgeted

after deduct all those, how many % of your income is left?

movies just once a while, I take badminton sport just once a week. Clothing very less. Travel not much.

Toll & Petrol - 200
Misc (Subscription, haircuts etc) - 80
Insurance - 150
Flute lesson - 240
Family - 300
Food & Entertainment - ~700
-----

Usually will force saving 1k every month to build up my emergency fund, rest can go to source for investment n the like

That's good.. Would love a percentage of your salary.. But if only you are comfortable as a case study.

No dates or expensive wants?

dates included, temporary no any expensive.

Look like no one house loan above 2600, so house is cheap actually.

required commitment is abt RM2.3k,.....without additional details, very hard to think if your commitment is considered very low compared to others...
for if you just have a take home net pay of RM RM2.5k, then it would be very HIGH, but if your take home pay is RM10k, then i could be "lower" than others

as per MUM query

thanks Ochipala for the input,...revised my maths.


This post has been edited by yklooi: Jul 8 2020, 12:26 AM

Actually his insurance is only rm100 per month, coz it's rm1200 annually..

Food - 1.5k
Entertainment/Clothes - 500
Parking - 250
Petrol - 250
Housing - 1k
Gym - 200

Roughly 3.7k per month, which is half my clean salary.
I consider myself a big spender.

This exclude car insurance/servicing, festive money to parents, holidays ...

good budget disipline,

House - 1000
Car - 600
Bills - 400
Babysitter - 900
Petrol, food - 1000

If i'm not paying for babysitter, then every year i can upgrade my pc liao haha

% income left around 40% - 50% is for emergency use.