1) 2.4k per month for a 410k house with 30yrs loan? 2,400 * 12 * 30 = 864,000...the interest itself is already higher than the house.   
2) astro is a luxury, not a must. i spend my entire life without astro, my pc and streamyx is enough
3) 500 - 800 just for bills? 100 electricity and water, 100 for streamyx, 100 for phone..u still got at least 200 before reach 500.

the more u earn, the more u spend. if u do not plan your financial properly, even 10k wont be enough for u

Okay 100 for electricity and water is unbelievable. Are you renting?

My household is already paying 500 just for power. At most, one can try to reduce to 300.

Okay 100 for electricity and water is unbelievable. Are you renting?

My household is already paying 500 just for power. At most, one can try to reduce to 300.

2.4k is inclusive of the house insurance, their so called MRTA but different kind, if u take fixed rate house loan from insurance company you will understand, besides its my mistake, I was naive when I purchased the house, didnt do much research there

Astro package is 110 bucks now, and I don't even watch it, like I said, its not for me, its for my family members, and how can you say no to them.. (they think you earn a lot, so they can demand for it)

electricity bills rm 100? have u seen a standard house electricity bill yet? a family of 5 will easily cost you 200, even if u control your usage, once again, I agree that its luxury here, cause 4 Rooms with 4 airconds running for at least 8 hours every night, could've been reduced if I want, but i decide to let my siblings have a better life now.
my electricity bill is averagely 300 a month btw, 110 for streamyx, celcom bill 150 monthly with 3g package ( i travel alot, and cant live without internet u see) astro.. and other minor stuffs.

you gotta really own a house to see all these bills coming. when I bought my house last year, all I had in mind was.. the installment.. didn't see all those coming.

btw, my previous pay was averagely 10k, and due to some stuffs happened in between.. my last drawn pay was about 7k thats about 3k less than usual, and my planning was for my 10k avg pay.. therefore the insufficient funds problem came.. still surviving, but with much lesser savings than before.

they think u earn alot so u cant say no to them?
or was u scare they jatuh muka u?
but okay i understand tat electric bills will easily jump up to 200 to 300
astro is neva a luxury i do get free entertainment via pps any hk drama or watsoever
trust me alot of my old relatives who doesnt have knowledge on comp knows how to use it
i guess u do have bad financial planning at this moment but im not criticizing u
i assume u work in sales line as well
well i guess many ppl at the sales line suffered the same way as well

maybe i do have bad financial planning, I am feeling the effects of it, but I don't work in sales line..

If this is the case, I assume you work in overseas and bcos of RM appreciates against your local foreign currency, you will feel the loss of income there.

Otherwise, it will be either in an airline industry or O&G sector.

One thing I cant understand, you are supporting 3-4 family members with your sole income alone? How about your siblings? Maybe you can ask them to fork out some budget to help you to settle some of the bills?

dun worry
first office on any major airlines does pay good
i guess u have either have alot of investment through getting the CPL
me myself was thinking of goin to HM aerospace but the fee itself cost a bomb
so its okay when u struggle through the beginning stage of ur career
as u know in the aviation industry its among the fastest job which u can achieve break-even from ur investment for the license
good luck to u

1) 2.4k per month for a 410k house with 30yrs loan? 2,400 * 12 * 30 = 864,000...the interest itself is already higher than the house.   
2) astro is a luxury, not a must. i spend my entire life without astro, my pc and streamyx is enough
3) 500 - 800 just for bills? 100 electricity and water, 100 for streamyx, 100 for phone..u still got at least 200 before reach 500.

the more u earn, the more u spend. if u do not plan your financial properly, even 10k wont be enough for u

Upgrading to newer, modern air cond units save alot of power compared to those old 80s clunkers.

My training was paid by company, lucky me there, and yeah like jurlique said, the allowances have decreased tremendously recently, due to less flying and all..

Its not like the company wants though, overall airliners in the world aren't really making money, its gonna be tough in the future too..