Professional movers like those for expat is available locally.

Loan interest is a expenses or cost. Interest from saving, investment is profit or gain.

How the hell did u save 700k with salary so slow? Inheritance?

to be exact. 580k worth of asset, not cash

got jump start as my parents gave me 40k cash for ptptn full settlement. use the cash to buy bursa stocks and buy a cheap second hand car for work. being very thrifty with take home pay and usually set a side rm1k for stock investment. year end bonus also dump into shares. with dividend and capital gain as well as one-off gain on gloves and tech stocks during gloves mania back in covid/mco. use the gain to invest in Sg reits

This post has been edited by square2: Jul 25 2022, 01:32 PM

This 580k in ‘assets’ you mentioned, so they are practically stocks?

i would classify them as equities

equities = stocks + reits + ETF (bunch of stocks managed by fund managers) + unit trust (with complementary insurance) + PRS

you are doing great bro!

Of cause there are sometimes in life i was labeled as

1. charsiew because no give monthly expenses/money to parents

2. cheapskate because go expensive restaurant with friends but order the cheaper menu

3. anti social because reject friend to go clubbing and hold your urge when friend ajak to massage/flower pub

4. forever alone because never go out spend on girls and go dating

Ok ba. Having money means having more options

1. Charsiew because no give monthly expenses BUT if theres an emergency. Can give much more without fire selling the house
2. Cheapskate because go expensive restaurant BUT once or twice got special offer. Why not splurge a bit.
3. Anti social? Healthy life bro. Early sleep early wake up. Your body will thank you for that.
4. Forever alone? Forever alone better than spending on the wrong type of friends.

As long you are happy, dont bother what people think except your family. Friend come and go, but family dont.

i only have problem with the first but everything else is okay by my book.
but hey, its your life

life is short.. need to balance it out too

the rest I agree with being thrifty, not going clubbing, flower massage, etc.
makan2 or travel at times need to reward ownself also la.. else work so hard for what o. Just don't do it too often. Once a blue moon ok de.

If wanna save more, marry a wife who knows how to cook.. then if + you know how to cook can save even more.. take turns cooking. Outside food is freaking expensive sial. Kids have 1-2 enough liao.. more than that will kill your wallet. make sure choose correct wife also else she will make your life a living hell.. get to know her at least 2 years to be safe before tying the knot. Just see what happened to Johnny Depp having a narcissist wife??

Friends subjective.. depends what type of friends. Have some good friends in life good also when you lonely or got life problems can find them for advice. Can just meet up chit chat at pub or cheap place.. no need high end. Or just meet at their house. Avoid friends that like to splurge their money or is a bad influence. I myself like friends who invests like me too.. got many topics to talk lol!

All got methods to go the economy route. No need to always so atas!

This post has been edited by Davidtcf: Jul 26 2022, 10:03 AM

I'm just like you! Maybe should improve on point no. 4

You really stinge to the sky, now i understand how you can save so much with low salary, but for No.1 i really feel bad about that way


Both of you are honest and brave to say openly, i myself made it a habit from my first pay , i must payback my parents for bringing me up. My first salary rm1480 i gave monthly rm300. Then keep going up till last 10 years it has maxed at rm5k monthly, on going still..

But reality of life i have to accept also la , now i have 2 working children, they also dont give any back..their earning not low starting at rm5k professionals, single status..it is the not the amount that matters, of course they know my situation, but the thought of parents sacrifice should drive them .... anyway new society new thinking...

For me, I give my parents supplements to at least prevent them from heart attack, stroke, control their diet. Make sure their sugar, blood pressure super well control.

You all are good son.

I take care my parent too. I think amount of money is not the most important.
I think it's your company (always by their side when they needed you the most), care for them that make them happy.

i would like to clarify on my statement 1.

i have already spoken to my parents that i will not give them monthly allowance and they are totally agree to me on 1 condition, is to treat my children the same - not to ask allowance from them when they grow up

so far both are healthy till now

those complain me char siew - definitely not my parents

Do your children still spend time with you and send you gifts/help you out in any way, every now and then? If yes then I think that's their way of repaying you

I am no longer constrained by the thought that "the more allowance you give to parents, the more filial you are". Don't wanna talk much about it in the public but to cut things short, I just learned that the hard way.

I am on you for point number 1. In fact, once my children grown up and can stand by themselves independently, I do not wish to get monthly allowances from them.

Heck, I did not ask myself to be born in this world. So long I am filial to my parents, no monetary reward can measure that.

This post has been edited by Daprind: Jul 26 2022, 05:46 PM

Becuz old folks those retired sit around with frens of their same era will talk of kids got give monies topic. Those give the most a lot of face those no give no face so some folks feel lose out go back ask their children to give them monthly allowances. That is how it works it all depends on your parents and the company they mix with. When young we say kids don't mix with bad influence correct? The same logic applies to those retired folks. They like to gossip about their who and who marry who and who very rich do business got big car big house etc boasting? Hmmm

when you tell like that what do you expect them to say?

2 scenarios
1) You dont have enough or you think that money can be better used elsewhere,
2)Your parents have more than enough, they dont need your money.

Parents dont normally talk bad about us, more so to outsiders.

in fact most parents would cover up children's "shortcomings" especially when asked by relatives.....oh my son is busy ...life is tough outside... etc.

me same also la......i dont demand children come visit me so often...young people want own lives, time never enough whenever free play handphones!

Many people allergic talking about money and parents. dont put a price tag ,money cant buy happiness , cant buy love , cant buy health.....etc

but cold hard fact remains.......everything is money..........

So only you yourself know whether your parents need that money or not.
decision is all yours, no one can tell you.

me i see my mother enjoying the money, it gives her "empowerments",(you know old people like to think negative, old already cant help this, cant help that, feeling self useless, worried she a burden to others....) so i encourage her yes go ahead give them,no problem....i knew she hardly needs 1/3 of what i give for own spending. me i wont be anywhere better with that extra 5k a month

if my parents tell me "you dont give me money make sure you also dont ask from your kids next time" , i would feel bad....


you must work hard lo to save enough for old age.
But for some who cant save enough, how?


Your parents owe it to you...
Not quite a new age thinking..... which emphasises on positive and self responsibilty...