QUOTE(insan_kamil @ Aug 13 2022, 08:53 PM)
I'm from KL but
now based somewhere else.
This place is mostly bullshit with the incomes. It's like everyone is earning T20 income level.
10k is more than enough.
So many bullshit and exaggerations especially related to money.
Guys I know saving face is a big part of your dynamics but this is the net, nobody cares and knows who you are.
You people make it out like KL is super expensive to live in. It's not.
I spent my whole life in KL except for a few years in the states and now into year 4 in another negeri.
I went to a school right smack in KL and it is not expensive.
Are you people even from KL or you write shit just to feel good about yourselves?
Again, KL is not expensive. 10k is more than enough. Again, live with what you need and not with what you want and you can earn 2000 and still be rich
At one point in life the old immigration PBD Ali Maju also served
nasi ayam with kopi ice for RM5.10Don't BS if you don't work in KL CBD in the past three years.There's an infographic saying if you dont earn 9k you are B40 in KL.
Not everyone has cheap housing in Kg Baru. We have to buy a place in KL (starts from 300k typically for a rumaweep) because we don't qualify for a PPR flat.
I'm just saying so that people don't get the wrong impression because whilst cheap lunch is available, cheap dinners are NOT common.
Dinner below my office..well set lunch already RM19-25 I only ate on my last day boss belanja.
Parking in KL is super expensive if on a bad day no more parking at cheap open car park.
U can park for free on double yellow lines. Kena tow is another problem ah.
If you work late esp you are racing against time to go home to the outskirts where hopefully one can get a hot meal before the hawker center stall closes.
QUOTE(cms @ Aug 13 2022, 09:10 PM)
I would guess so too, else won't be T20 bracket am I right?
10k at best is M40 lah in KL.
Its not even T20 gosh..
u can afford to eat in KLCC resto everyday? No right? Tahan 1hr30
after OT to eat dinner at home everyday only lead to tummy problems (ended up in hospital) even that also company insurance dont cover fully
Remember the ask is "live comfortably"
not eat roti kosong everyday
I don't subscribe to expensive house expensive car.
I bought rumaweep 300k
I drive paid up vehicle valued around 19k insurance agreed value
QUOTE(CoolStoryWriter @ Aug 11 2022, 09:31 PM)
Is RM10k net household income okay in klang valley? With 1 kid.
House 2k
Car 2k
Mandatory savings 2k
I dont know what kind of lifestyle left with 4k disposable income. Can we live comfortably with 1 kid in klang valley? Wife not working to take care of kid full time.
Child just send to chinese sjkc in primary
Thanks in advance.
Get a cheaper car pay full by cash. I alr paid up the car many years back. I think the car is waste of money, even singkie earn 10k also at most spend low 1k-ish for car. Msian overspend on car.
Savings I think u get flexi house loan dump extra in (make sure easy redraw eg RHB) u save on the interest better la. Savings acc % is negligible.
House 2k - 1/5 of nett still ok; my rumaweep was 1/6 of nett so even if BR up installment from 1k become 1250 also can tank la. Else if havent buy, get a runaweep with 2 car park also better off financially. The 200k savings can save for kid education better than buying overpriced condo
QUOTE(kmykoh @ Aug 14 2022, 12:34 AM)
You might earn 10k less than them, but if you don't have the 5k house instalment, 3k car instalment, 1k insurance + all the misc numbers with no sense, you might actually end up living a much more comfortable life than them. A big house and expensive cars doesn't make you any more comfortable than another person. In the end you have to decide how you yourselves define your satisfaction, either in the outer appearance or the inner happiness.
A house also kosong unit lah
This doesnt mean 300k on rumaweep it come fully furnished.
There's another 30-40k on basics just to keep it up and livable (i.e. minimal reno, add kitcab and add appliances)
Now if those things drop from the sky it would be great. But please be realistic. Even cook at home also need kitcab and fridge and stove lah.
This post has been edited by ceo684: Aug 14 2022, 02:32 AM