Kete Apa rm500 per month when salary net is rm12k?

Super hard living in zaman madani, rm12k salary net also takde kereta
Rindu zaman Rapiji sembang kencang say can make Camry rm70k



This post has been edited by JoeK: May 2 2025, 08:12 AM

First

Eh wait, Rumah 1.5k likely rm300k condo only

Salary net 12k also no duduk double storey terrace?

Every month buy gold?

Lu already got girlfriend or not

fuiyoh buy gold each month

buy also buy 999 gold lah, buy 916 for what

looks like lot's of spending can potong one...

owa--

Some random numbers, you really believe in that?

tiap bulan beli emas

orang kelantan ke ni. lol

Dafaq every month buy gold???

Guy practically married a 'Gold digger'

when Au was USD660/ozt in 2006, i said buy gold. Said the same thing at USD1200/ozt, and most recently at USD2800/ozt...buy gold. but she went and bought 916...must be jewellery.
oh well...the market should be floating around USD3200/ozt for the next half year. Let's see if it'll climb to USD3800/ozt in December.

ur rain sensor dh fixed blm?!

From house electricity know is T5 level, RM300 for big house … poor people stay high rise RM50 max saja …

Anak spending equal to husband and ownself …
Buy them a lajak bike to solve problem …

Buy jewelleries monthly ..

This post has been edited by p4n6: May 2 2025, 08:26 AM

what "barang mandian" every month 300?!

Ya Man! They investing or buying jewellery?

prolly kete fully paid.. the 500 is to save for yearly service spending.. thats why group under simpanan.. same goes to emas kot.. investment gold bar

These ppl earn well above median celery telling b40 that they struggling are out of touch

it may sound stupid but old people always advise to buy gold as investment

This post has been edited by Skylinestar: May 2 2025, 08:31 AM

Sudah habis bayar
Rm500 for road tax and maintenance la

Ayam noob

Gold 916 and 999 got what difference?

Confirm kerja tongkat

Eh you’re right la, it’s under simpanan

Gua tersalah fahaman

999 is pure gold

got better resale price and appreciation of value

Gold 916 value also appreciates right?

916 resale back to gold shop, shop will give lower buying price (this is comparing as percentage of their 916 sale price)

Lol pocket money edu 2.5k

barang mandian ? every month buy gold ?
make high salary but fail financial planing , lanjiao rezeki la

Investment gold and 916 is different

setiap bulan beli emas. setiap bulan beli barang mandian.

ishkkk....

dude is putting almost 30% of his net salary to savings and gold, and you still call him fail financial planning

topkek

anak pegi tuition also need so much la. also they want elaun everyday go to school need money in case wanna buy some food and drinks

i suggest every month buy bitcoin

What pundek she bathing until every month rm300?

live your life la bro.

Damn it both of u. U just gave ts new idea for spamming tered. U gonna see him spam tered like
-999 vs916, which better
- how much net salary only can buy 999
- how much net salary can buy 916
- how often must buy gold
- wife say 916 but I wan 999, how?

and u just gave him 5 thread titles to use

she housewife, so gua suspect her job is to keep wangi for husband

so when husband balik liao can smell wangi then only best to piap

Sudah lah bro

cheaper and most 916 are jewelleries so memang for women to pakai

gua tak main emas.

gua now thinking to invest in stocks.


my current liquid cash that i have is around 60k. worth to invest in apple, nvidia, amazon or not?
what you think?

Lol... I also wondering. Including sex stuffs is it

And they continue to act poor to "exploit the system"

Beli alapard pun boleh rn500 sebulan.just pay dp 200k

erm myvi lagi best or myvi icon - 35k second hand bought. rm500 below.

15k/month - age 40 here.

wait dun kutuk first. kena before vss and also some other shit like "muflis bankrupt di malaysia fb" kinda shit.

now all clear except house loan. the trauma from the past was so high that its scary to commit to higher than that. imagine surviving on cc.

but 500 per month car not all positive ya. imagine the insult looks u get when all your younger siblings and cousins - 10 - 15 of them during raya showed their new car. cheapest was omoda 5 i think. then youngest chap 22 or 23 had the latest bmw 2series. despite being the oldest no front gate parking was assigned ya for myvi. imagine bro.

if you have to ask this question, you shouldn't be investing in stocks.

better you invest in index funds.

10k all in emas, 50k d/p cibik RS

pls dun torture urself like this

60k better use for DP to get 5 series. Amoi awek tengok pun basah.

gua asked because want to learn. obviously gua dont have much knowledge in this
waifu tak bagi ler

mungkin ada 6 anak ? that's why tidak cukup

mana ada. i stay 2 person, both are working only home at night aircond also midnight turn off too cold
just me play game until midnight (maybe pc overkill a bit)

150-180 monthly

i am buying 999.9 gold almost every month from bank but not that much la.... 200 to 300 only per month

if they don't need to stay near KL, can get a double-story story, single-story house, but outside KL. Husband can utilize motorcycles to work

at least not every month spent all, max credit cards on modify moto, buy vape, cheese meleleh

I just don't understand why people are willing to put more than 10% deposit on new car? When the price surely drops due to depreciation. Why not put just 10% deposit, 5/7 years of loan and rest extra money to investment. inb4 Civic be it in any form, not sales well, hence 5 figures rebates if can meet a right SA

This post has been edited by ayamxxx: May 2 2025, 09:26 AM

Mandi susu

she/her family saving at least 2500 per month (not including the gold)... definitely not "tidak cukup".

she is living a comfortable life with sufficient savings.

soapy massage

Definitely not one which TS will buy.

Definitely not one which TS will buy.

916 is harder because of higher content of other metals. Suitable for jewelry.

999 is softer, if you turn them into jewelry, your jewelry will be easily dented if you hit it with harder objects.

And coming back to topic. 12k nett single breadwinner is pretty much M40. Some of their expenses don’t make any sense though, spending beyond their means, like RM300 per month for toiletries.

RM500 per month for car, most likely fully paid, only budget for petrol & maintenance.

Barang mandian RM500 monthly, what the fuck?

And i though my math are the worst in whole school until i see this kind of "monthly expenses" posting.

B40 selera T20

apa tu emas 916?

apa tu emas 916?

Maybe she wants to say Barang harian

Same here.
Net higher abit
Mom dad - 3k
Genelec 8050b studio monitor-12000
No more money for food! House! Let alone find gf!

Yeah actually better to max simpan emergency until can cover 6 month first before spend on gold

Emas per year 12k sial...

Should be under simpanan not expenses

Plus other simpanan is 36k per year

Means simpanan is 48k per year

charsiew - give parents 200 each .

Food expenses so cheap while mandian apa haram jadah so expensive?

TS.. ppl already say no loan. lu buta ke?

RM 300 to wash ass every month. I think they drink super premium shampoo and moisturize with Angel tears.

RM 1000 to buy gold every month. Can argue this is for investment or savings. Still every month visit shop to buy gold is crazy right?

Every month buy gold say poor ?

Can calculate under simpanan, but less 30% because of cost “upah” for jewelry.

OK what...she spend alot in investment. Might not be the best investment plan out there, but at least they don't spend on the car o motor (Hobi mah). Others macam biasa lah..
Anyway its human, no perfect one..everyone will bash but sometimes we should support them ..

Anak derhaka!! Every month got 1k pocket money plus almost 1k on jewellery but parents only get rm400 total.

B40 and M40 when talk about "no loan" means no personal/cc loan.

Actually the budget break down kinda realistic.

Hopefully that's the take home pay, on top of that got the mandatory EPF contribution. and after tax calculation.