hmm its seems that most of you all here are quite luck so young yet so much potential and earning power. Consider yourself to be very luck for the ppl who has to strive from the very start from - form 5 started working and then to pay for his or her's education and after few dog gone years at 28 still earning peanuts of RM3.2K that is not much if you are living in KL/ City area. With Car loans and mistakes u made by having credit card and duped by some MLM ppl it not easy to make ends meet. For all that i can say is that stick to non contract jobs as its better and dont take things for granted.