be content and maintain your lifestyle after u reach a certain level of comfort.

if every salary increase u also increase spending then forever money not enough to save

Gaji 10k. Net 7800

Saving 30%: 2340

Net gaji: 5460.

Start spending from here. Spend all the money!! on car, house, , kids, starbucks etc.

Housing is really a killer.

Good tips

single
nett salary:15k
spending every month + commitment = 5k

the rest save it up.
Key point is dont inflate ur lifestyle.

i remember as a foreveraone, eat FAMA all in saving

I don't save..all spent for asset and travelling kids
retirement?EPF 33% every month more than enough
Falling ill? got medical card
Emergency? credit card
Big purchase? EPP

Instead of saving, I look to earn more instead.

Yolo

last point especially if youre not a picky eater and can eat same thing for days

few examples below for balanced no frills eater

Meal 1 - Spaghetti bolognese, each 500gm pasta can feed you 2-4 meals depending if youre big/small eater. just cook it with minced meat, carrots, onions, celery etc. very economical

Meal 2 - chicken rice, throw 2 cups of rice, seasoning and chopped half a chicken inside rice cooker. cook till done then prepare side vege/salad for fibre. ez pz

Meal 3 - stir fry protein + vege + rice. just pick any protein of your choice around 100-200gm, marinate in whatever seasoning you like. stir fry them with whatever leafy vege you like like spinach, brocolli, carrots etc. cook 1-2 cup rice in rice cooker and voila. another ez pz

each of these meal can feed you over 1-2 days worth of meals

Use xiaomi 14t instead of iphone 16 pro max

Shower toegther

I see on YouTube that some people share bath tub water

YOU SURE or not??? I highly doubt you saw it on Youtube. I think you went to other tube.

Why bother saving money, YOLO je
Ever since COVID more and more people going the YOLO approach towards life

wait for lazada/shopee sale

Cook your own food daily, save you freaking a lot of money, especially if there are many mouths to feed.

Because nowadays most food sellers want to get rich quickly, much worse is they use flavors and other shait instead of sticking to real herbs and spice.

This. Can knock down the price by a lot.

yes, the profit margin actually getting higher nowadays compared to few years ago. I am talking about those individual hawkers without staff at food court etc.

2 egg breakfast
3egg lunch
3 egg dinner

8 eggs x 40 cents rm 3.2

X 30 days = rm100