Where is your budget for:

1. car maintenance/insurance/road tax
2. house insurance/maintenance/renovation/furniture/electrical/Security Fee/
3. New HP every 2 years
4. Money to parents & GF/Wedding/Kids
5. Cloths/CNY spending/Bday Celebrations/Ang pau wedding dinner

etc........selling spring pocket also not enough........haha

so nice no need give money to parent

1. i poorfag drive mybi je i think should be ok still can manage
2. i will lower down my budget and see how it goes
3. not much of a gadget fan, still using old samseng phone and going strong
4. parents say if i really keen to buy house then no need give.. my father owns an orchard and have some stable income even though he's retired.. i feel like crying because they are so supportive and i couldnt provide better life to them (previously i give rm500 for utilities fees only as they ask me to save up for house and wedding)
5. i dont really spend that much for CNY cloths haha.. and i seldom attend wedding dinner unless is my close friends

one question..when you finish paying your car?
if sometime near...this should do-able...since you can free up the car installment soon..
jz tahan abit..haha

Hi Bro sunami, not so soon ler.. still got 4.5 years to go

If i want to get the consultation from registered financial planner, how about the services cost?

btw..do u have savings after you purchase this house?
i mean -minus all the d/p and those fees...
opt for flexi loan..it might ease your installment if your bank have certain amount

not really.. i only have 50k+ savings and plan to withdraw epf for the balance. now that i see many sifus suggest me not to overdo it, i think i ought to lower down my budget edi

First of all, congrates TS for moving the first step. For me, its depend on you, with the remaining balance whether you can survive till your next pay day. If the answer is yes then proceed. I am at the same stage as yours. But I will pay by my own, and TBH not much cash left after housing loan is paid. Hopefully i got better increment in near future.

thanks for your kind words brother, perhaps this is a way to force ourselves to grow and gain more earning power in order to cope with our spendings and commitments.. all the best to you too!

your situation most likely like me. my current salary range like you and also i have a study loan + car loan that total around RM900 for now. But i already buy new cheaper apartment at melaka that monthly is just rm700.. other than that, my salary goes to my own daily spending + my parent at hometown.. but still, planning to get 1 more house in kl since now i work at kl and rent here..huhu

No problem. For me, money we spend in travelling or unnecessary things are wasting our future money. Save more money, to spend it on family (kids/house/etc). Currently waiting for year end bonus, dumping them all in housing loan. I am with semi-flexi though. If anything happened need me to withdraw, i might withdraw from money saved in housing loan

Food Rm250 for a month really can ? Teach me sifu

good for u bro.. i recon your apartment in melaka is bought for investment and have positive rental yield since your r working in kl right?

can.. but note that only for lunch. zap fan and noodles cost around rm5 per meal here near my working place.. dinner eat homecook food

oh so homecook is free ?

im still staying with my family now and my father is paying for family expenses.. so u can say that.

not that im proud of being a freeloader as i only give rm500/mth previously