Wow!

why is road tax included in monthly commitment?

not once a year meh?

I think this list down isn't that unreasonable, since he has kids and all.

Is really a struggle even with 8k salary.

I think he average out with his maintenance cost

Wow... gave wife so much? barangan dapur and makan harian add up to RM1500 per month

2person, dapur and makan 1500?

rm50 per day. eat 3 chicken per day?

This post has been edited by Phoenix_KL: Oct 7 2021, 03:01 AM

Foodpanda and grabfood everyday

this is not miskin. this is malas.

waa....
if wife work can maybe add on another 3-4k income

Wife cook apa sampai Rm600 barang dapur sebulan. Some more Rm900 daily food spending apa lj. Bring food cook by wife to workplace. Housewife just in title only?

Why list zakat. Compulsory zakat paid only on Ramadhan month. Why wife get her own phone bill pay by husband? Should already covered by that compulsory money given by husband Rm500 per month.

Why suddenly got minyak moto pulak in list?
If like this take moto ride to workplace lah bodo.

This post has been edited by nazrul90: Oct 7 2021, 03:28 AM

That coway 1 month bill enough to feed my water bill for half a year

Kayanya......... Ada salary 8k

Sad

8k nice kaya. Want find 3-4k job also hard.

the main problem here is isteri not working, which immediately drags down the household income to the KL/PJ median average (~8.5k)

if isteri gets a graduate job of 3k, it can up the savings rate significantly

barang dapur and makan harian should be combined, Rm1500

which actually is not bad. consider: minimum groceries per person per month is about Rm500-600, even if sendiri masak. throw in 1 Rm100 meal once a week for two, sampai budget already.

this bill/budget is fairly average middle class, in other words.

This post has been edited by KLthinker91: Oct 7 2021, 04:02 AM

This is... insanely accurate, this is why I hate living in KL.

Just told my wife I don't want kids till at least double that pay.

inflation is real but oren kito still live in past thinking that rm10 can buy chicken buy sayur dan buy gula makan satu minggu and happily sell their votes to idiots for the rm50.

The main problem is wife tak kerja. Especially in Klang valley kenot survive without 2 partner salary

U got belanja dapur rm 600 then makan harian 900, apa ke lanjiao is this? Cannot combine make it 1k per month? He buy kuali every month? That left 500 can give wife then save 500 lar.

Seeing the food is he spent a lot of makan luar. Tarak duit DIY sendiri lar

This post has been edited by kcchong2000: Oct 7 2021, 04:16 AM

bang, kau biar betul? takkan kau tak pernah bayar zakat pendapatan? roughly 0.025 dari gaji kasar/bersih (bergantung kau nak kira macam mana)

lagi satu, wife dia tak kerja, memang la husband dia bayar semua. wife aku kerja pun aku still bagi rm400 nafkah sebulan (gaji aku lagi rendah dari mamat ni), so tak payah kot pertikai bab tu. rm500 yg husband dia bagi tu, sekali pergi Sephora dah habis (takkan husband dia nak wife dia selekeh, ye tak?), nak beli tudung Duck lagi.

maybe dia memang naik motor pergi kerja, kau mana tau? tapi kalau hari hujan, dia naik la kereta. nak bawak family jalan2, bawak kereta. benda macam ni pun nak pertikai? RM300 sebulan tu aku rasa dah reasonable sangat

This post has been edited by marlick25: Oct 7 2021, 04:29 AM

Yeah this is a killer you can’t carry another person on that salary. I think 20k is prob the minimum if you’re gonna let your wife stop working. Daycare isn’t that cheap either so she will need a job that pays a fair bit to cover that too.

ok what his estimates.
its always better to overestimates. banyak lagi adhoc expenses that he didn't put in over a year, like plumbing work, go clinic, etc, etc.

sounds about right to me.

depends fully what level of lifestyle one aspires

if one wants to have, eg 8k lifestyle like our friend here, okay job done mission accomplished. he's already earning twice the average individual. if he wants to have 20k lifestyle however, and isteri not working, then obviously he needs to pull down 20k salary

it's just maths...

Well at least prop to him din get H badge car

Belanja barang dapur and makanan harian goes up to RM 1500.
That is very bad even if you are doing grocery kat jaya grocer or village grocer.

Ini sama ada makan besar hari2 atau rembat je apa yg dia org nk.
I do my grocery at Jaya grocer or village grocer and the bill usually not cross RM 100 unless I started to buy snacks or fancy food stuff.

Kalau sekadar beli barang masak, 1 bulan cannot be more than RM 1000.
Well unless you buy like the expat 2 trolley full from village grocer with all the fancy import food.

U nak house wife... That's what u get la.

Nowadays wife also need to earn

That's why those who buy car to show off (honda civic etc) when first got a job will feel the heat once entered into marriage life.

My expense from single to married is x4 times, and no kids.

From his expense, I'd tone down eating outside food (RM600 to RM300), and the Fuel expense (RM100).

Many eggless men in this thread

Nafkah for isteri is wajib.

macho juga mamat ni satu

Conway and food expense don’t make sense

Try living with 1200 a month.

Cant even get married.

Can't even own a car.

Let alone pay your medical bill.

Sad

Maybe no choice cos getting teh tarik free from pipe air?

Total up divided by 12 months.

Anyway 8k for 3 person is barely enough la. 8k is nothing nowadays. Now each person need at least 4k a month. So for them, they need at least 12k to live more comfortably.

Thats ur own problem. U need to study harder and get at least uni degree. Eveeyone keep complaining salary low, but never look at a mirror and ask yourself why salary low

This is good practice, average out, so he has themoney when come to car service and insurance even it is once a year or few months once for maintenance...

Isteri go work

Anak habe to send to pengasuh.

Every month also not cheap.

Yes. My petrol one week 2 full tank. Around rm30 a day.
30 x 26 = 780 around rm 800 for me only.

This post has been edited by novblaze: Oct 7 2021, 06:52 AM

Must be nice to study harder and get a degree.
I know I can't afford that. At least I work hard so my brother and sister can.
Must be nice to look at your self in the mirror everyday.

Instead of give excuses, go find a solution. There are scholarship, ptptn.. go figure

His tax claim should be more than 2k.

Takaful lol

Plumbung goes under “maintenance apartment” and go clinic is covered by takaful.

I think he was scammed into paying 500/mth for family takaful when he can get a medical card for half that? at 8k i assume his company covers his medical.

I dont have kids but diapers and baby formula really cost 300/mth?

Must be nice growing up easy with only yourself to care.

bro no need to compare, if you compare (no matter how much you/anyone earn) for sure they will be someone earning more than you.
ignore those and focus on getting better yourself (as in improve your life, regardless earn more, study more, learn more, etc).

if you don't mind, with your salary, instead of spending in /k, i would rather spend time doing survey online (and earn some very small pocket money) than here.
i know a few sites, one in particular i like a lot that you can redeeem tngo ewallet.
let me know if you are interested.

disclaimer: don't imagine its without any effort, you need to do survey for a small amount, but its something).

Things are expensive now a day...

Grocery (vege/fish/lain2)= 100~200 (weekly) - Jusco/Jaya Grocer
Meat/Chicken = 190 (2 weeks once) - Wet Market

Kids tuition + day care = 400/person
Transport = 90/per person ( 1 way)
Kids pocket money = Rm2 per day (with meal package from canteen)
if got baby - babysitter 1k~2k / baby
Milk powder= 230/month
Diaper=70/month

Insurance - Basic (no CI) - Kids 160/ Adults 250(depend age)
Life insurance = 200~300 - 500k coverage /accident 1.5m)
Money to parent = See your heart...
House - 300k - 1500 monthly
Maintenance fees - 150
Wife/kids birthday gift - ??
Car -??

easy for us to comment. you give me your expenses, anyone in /k also can say you need to cut down on something.
for me, those are good ballpark figures. not too excessive.
like i said, better to overestimate anyway.

should he add things like toys, daytrip, occasion splurge, new phone, tv, houses appliances, belanja raya, baju baru, kasut baru, birthdays, he would have been put up to stake and told "you don't need it every year!"
but that's the reality of life, there is much more ad-hoc expenses that is not in here.

i stand by my remark, this estimate is pretty good.

I blame government for our stagnant salary

Belanja makan harian.....

Bawa bekal makan dari rumah la...

This post has been edited by arcadicus: Oct 7 2021, 07:22 AM

Whatever salary is never enough unless u know how to budget everything and not spending unnecessarily.

Ok la tu. Dia nak apa lagi?

Baby formula can cost up to rm200 a tin... Maybe he buy the high keras brand one...
Baby diapers rm50 a pack.. Usually 2/3 packs per month

900/30=RM30 eat out per day

There problem found

Belanja makan harian means daily food expense la. U think cook at home is free of charge?
I think rm1500 monthly food budget for a family of 3 is already stretching the money quite far. I spend more that that on food every month just for myself.

Thats tough. Maybe ppl should start using the reusable cloth baby diapers again like in the past.

noob should learn from awek explains how rm1200 is enough

Wow how did he find rumah for 250k?

i do...
for various reasons like environment (diapers take up a big % in our landfill), cost (just a tiny bit of consideration) and since I have daughters, it feels better to be more airy for them).
i was lucky that my babysitter don't mind.
we bought reuseable diapers too and still use diapers for overnight or going out.

it's mind boggling to see some low income parents still insist to go diapers all the way.

Urmmmmmmmm… you’re probably trolling, right?

Thats just like 2 rm4k people, mostly fresh grad, married and get kids.

Of course will struggle.

If husband 8k, wife is working 4k / 5k, then would be better.

No insurance, no hospitalization cost, no car workshop cost, not much future saving... Basically no emergency. This guy will see bad debt & cannot every year can save your current maintenance.

i think the estimate is fairly there. however, since the kid is a baby, he already factor in pamper and milk, so rm1500 for food and dapur for 2 adult kind of high. nonetheless, it is not a far off estimate. just plus minus only, so maybe instead of -rm150 become +rm300.

but bear in mind, kids grow up fast and expenses increase faster than salary increase

Zakat I prefer to pay at years end for the whole year

That way can calculate how much relief for wife, parents, child etc

So it should be calculated on 2.5% of the amount left

Also bil telefon why until RM100? Already have Unifi what.

Why cannot? I know family of four can survive 2800 per month

Saga - 400
Rumah - 1000
Bil air api total average - 80 to hundred
Barang dapur- 600
Diapers - 100
Topup wife and me - 70
Kerja naik motor (fuel) - around 50-60

U can change ur lifestyle but u tak boleh sebab takut orang mengata imej jatuh.

Orang mengata bagi u duit ka?

This post has been edited by latipbogiba: Oct 7 2021, 07:50 AM

Yup. If u pay commitment more and paying others needed, i think zakat can be waived

Isteri salary - pengasuh = 0??

What's new? Doesn't most people work their whole life just to pay bills and taxes?

Your grand father not even earn 8k
Can raised up 12 kids

And here you are today complaining 8k not enough

If wife working need to pay babysitter salary also.

Maintenance cost more or less lo average 150 per month

I see Unifi , phone bill, eating out and other as problem

No give money father?
No insurance, no medical bill?
Car no need tol, repair?
Rumah no need maintenance?
No need deduct epf socso?

option....don't stay in city...don't work there even....all move back to kampung.....house sell...raise kids in kampung and don't come back to city.

they were never meant to be in the city.....cannot afford, go back kampung.

More like inflation.

Kampung also most things very expensive nowsaday.

i also did this. i kept 150 monthly for my roadtax next year renewal. so by next year i dont struggle.

no money dont have kids

his list of expenses are not wild, but can definitely be tweaked

coway buang, and the 1.5k of groceries + eating out surely can be reduced

900 - makan luar

average daily meal - rm 34~

i just had my bfast - 1 karipap + 1 nasi lemak = total 2.90

coway = waste of money

you use mobile data ka ?

i think u didn't invest into ASB - else u will see the tunnel at the end...

plus, potty train (without pampers by age 6 months, really can be done, u save a lot) as for the milk ? Didn't it say better use mama milk.

later when kids go kindy lagi more to spend.

The sad thing is, I know a lot of people salary 2500 but got iphone installment, ipad installment, rumah use aircond, car H brand..

at least you will have time to put some fake female photo LOL

Its a very subjective thing , sometimes there are hidden cost here and there , so 8k can be a good life for single , but barely enough for a family of 3 (wife not working) in city ,it all depends.
But Chinese use to say 开源节流 ,means create more income flow and try to jimat ......by looking at the calculation , some thing still can be save further more............but as i say ,it all depends...........

Looks normal for 8k per month household. That’s why 8k household is M40. You should not live a life of 8k single man when you’re in 8k household.

i think this is his budget only. But im pretty sure at end of month he should have more than that.

This is why Malay household income always lower than Chinese.
Why wife does not go to work?
If wife goes to work got another 2-3K income, then sumbangan tunai isteri also can cut, since she got income.

Br1m kan ada.

wah about the same for me leh

u got to aeon buy groceries or not? my weekly trip minimum rm150.. that's the price you have to pay to eat healthy.

start your own business .. very hard and takes long time to get rich working for people

People said if wife work, need daycare;
What chinese is doing, gave to mother in law to look after or,
do not have baby.
Else please well plan before you have baby, normally 2-3 years after marriage than have baby.
In these 2-3 year both of the couple can save the money for the baby expenses like daycare etc.

This post has been edited by ye0073: Oct 7 2021, 08:32 AM

Sorry tak faham. 2.5 at amount left? So if i gave my wife and kids fixed amount on monthly basis the whole year, i can calculate based on the balance for the 2.5? Macam tu ke?

I paid yearly basis. Based on gaji kasar.

any ministry dare to show us their salary + allowance breakdown?

why earning rm50k still not enuff... and want extra poket money

huehue.....


for me - cukur my car installment finish pay liao. save that rm600. (but still saving ard rm200/mth for maintenance/fixes)

wife i'm providing her more than rm500 even though she's working. and cukur she's working too.... hoping one day I can earn enuff she no need to work

oh yeah. house no aircond, no assteruk, no coway....

my current daily lunch is just rm5. breakfast wife prepared at home. dinner makan kat rumah. cukur...

This post has been edited by karwaidotnet: Oct 7 2021, 08:40 AM

takaful is too much. just take minimum.

time to live in flat. with lower cost maintenance

zakat also can reduce abit. based on nett income.

Stop using coway la sohai

Duck scarf harga yahoodee dari yahoodee. Cheapest RM200, can up to 1k. Just a piece of cloth that balut kepala not badan. Ptui.

This post has been edited by kcchong2000: Oct 7 2021, 08:37 AM

Fake? Lol.. hahahaha... Its ok. Forgive you for your naiveness

Yeah.. I salary rm 1600 also bought new H brand car..

I make full car loan settlement already. Rm 30k+.. so i no more comitment..

But for me its better just buy axia..bezza..or saga blm.. no need waste money..

This post has been edited by fiqir: Oct 7 2021, 08:40 AM

2800 is bersih bang. Maaf tak maklum siap siap.
Maintenance termasuk 1200
Give money to fama is ur own perogative. Kalau dah tak cukup nak beri macam mana. Kalau beri 50 pun kira bagus dah.
Rarely use car. Except weekend