QUOTE(ceo684 @ Aug 14 2022, 08:29 PM)
I start with gross 10k on household level, it doesnt't seem to go far
start nett after EPF 8500
hseloan for 200K @ 5.15% -1500
hseloan for 270K @ 3.5% -1200
internets (2x RM99) -200
TNBs -130
waters, indah and clean -30
maintenance carpark -480
maintenance -230
netflix -60
groceries and food 3pax -2000
recurring stuff like car insurance roadtax repairs and ikea installment -1000
diesel -120
petrol -200
toll -50
CBD parking WFO -100
clothes -150
misc stuffs -100
insurance -380
Classpass (yoga classes) -150
cukai pintu cukai petak amortised -65
cukai kepala (income tax) -891
TOTAL -536
There you go. Even with no car installment it’s already red. And also no kids. People would say you can cut here and there. But that’s considered frugal already and not really “comfortable”.start nett after EPF 8500
hseloan for 200K @ 5.15% -1500
hseloan for 270K @ 3.5% -1200
internets (2x RM99) -200
TNBs -130
waters, indah and clean -30
maintenance carpark -480
maintenance -230
netflix -60
groceries and food 3pax -2000
recurring stuff like car insurance roadtax repairs and ikea installment -1000
diesel -120
petrol -200
toll -50
CBD parking WFO -100
clothes -150
misc stuffs -100
insurance -380
Classpass (yoga classes) -150
cukai pintu cukai petak amortised -65
cukai kepala (income tax) -891
TOTAL -536