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 Working in Ipoh or KL?

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JK-Rai
post Dec 27 2022, 10:14 PM

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6000 is definately not enough to buy a civic...

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JK-Rai
post Dec 27 2022, 11:50 PM

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Joined: Oct 2015
QUOTE(DanielCheong93 @ Dec 27 2022, 10:38 PM)
Because my current commitment is RM800 rental + RM500 myvi. If I were move to Ipoh, I will be paying RM1300 for a new civic so the commitment is same.
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I have so many points to justify not buying a myvi.

1.
Save 1300 for 2 years = RM RM31200.
Buy civic 2 years later with extra 31200 downpayment. Save ~ RM 5k in interest and you will have better salary that time.

2.
I am from Ipoh. You literary only need to drive 20-30KM perday cause Ipoh is so small.
Unless you live like Klebang drive all the way to Unisem Simpang Pulai (Total 50km)

3.
Buy civic now, double your car maintainence, tyre change, petrol cost...
Oh also Civic car maintenance is not fixed 10k KM. it can be as early at 5k KM due to turbo.

4.
What happens if you move back to Ipoh.
2 years down the road you dont like it at Ipoh because career no potential.
You move back to KL then rent again with civic loan.
Can you assume your salary is more than 6k then?

Dont be like me, earning double your current but half of it goes to loan, mortgage and necessary bills...
No emergency savings or fund to buy some entertainment. (Travel and so on...)
You will regret it.

 

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