3.4 One year why impossible to save RM30k from salary?  Save min 50%. RM48k/year salary. One year already save RM24k which is. So Jack it up to say RM2500/month = RM30k.  Slightly > 50% saving rate. Not impossible. If you can't afford those RM500 house settle for RM200k house/flat. Again is just for you to stay. 2nd hand car easily can get below RM100 bro.

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.

Wanna contribute to the discussion.

Below is my monthly budget.

26, dating.

Income
Fixed 4000 (Basic)
Variable 0-2500 (Commission)

Fixed Expenses
Car 760
PTPTN 270
Unifi 139
Maintenance Fees 300
Insurance 200

Living Expenses
Petrol 200
Toll 100
Food 660 (includes eating out with GF once a week)
Entertainment 300 (movies, games, etc)
Netflix 30
TNB 50
Syabas 10

Other household items 300

Total
FE 1669
LE 1350
Grand Total Expenses 3019.

I try to save and invest what is left.

It'd be great if I can get some comment on the above on what I can do to further cut my expenses.

Cheers.

Sharing my monthly expenses here, with logical support:

My background: Fresh grad working for a few months now.

- Car Loan RM610 per month (Currently repaying my new Myvi. Yes I know car is a bad debt, but I feel like this is a kind of reward for your hard work right? "Go to work to pay for your car", many would say. But to me, there's nothing wrong with that. I rather go to work and aim for my target than living a frugal live just to save up a few pennies)

- Parents RM500 month (Staying with parents, so I think quite standard. My parents sponsored my degree (scholarship diploma) so I don't need to pay PTPTN)

- Transport RM50 per month (Yes totally doable, but not with car of course *coughs Ramjade*. I'm riding bike and workplace is 25km to and fro. That's 500 km per month and bike RM5 u can go for 100 km. That's around RM25 month+RM25 petrol for my car's weekend drive). Many people would say that riding bike is dangerous in Klang Valley and I do agree with that. It's just that the pros far outweigh the cons, especially the traffic.

- Food RM400 per month (RM20 per day is actually very flexible if you spend wisely. I usually allocate 20% for breakfast, 40% for lunch and dinner each). Sometimes I made my own breakfast sandwich too, but of course I don't eat the same thing everyday, because I have a LIFE)

- Phone bill RM30 UMobile (Best bang for buck actually, that I agree with bro Ramjade. However as cheap as it is, my office has no coverage and probably will be upgrading to a more expensive telco soon)

- Miscellanous RM200 (I consider myself a frugal person, i.e will think twice before buying an item but at the same time I know when to buy the right thing, so RM50 per month is more than enough) Items like skincare, entertainment, electronics, books etc)

And lastly investment,

- Investment RM500 (Currently with FSM, put in RM500 into my account once I get my paycheck. I strongly believe in the phrase "pay yourself first". Constantly looking for new opportunities to venture into so the rest of the money will go into my piggy bank to collect more bullets.

Total is about 2k.