From stories in /k and news, even those earning rm10k-15k are financially struggling

I think most of us have no clue on how to save money or live within our means

Share your best money saving tips here

Personally for me, i like ordering food without ordering drinks, or just plain water if it is free or almost free.

This post has been edited by Le Don: May 20 2025, 04:57 PM

Not having kids.

dont cheong 2feidei

eat maggi

2 of my favs.

If office provide free tea or coffee, never need to buy. This saves like 10 rm for heavy caffeine dependents.

If office toilet is clean, do your biz in the office. Company time too.

Hehe.

even if you can afford a BMW X5, buy a myvi instead!

never simply spend money beyond our means.

amusing to see some earning 3-4k already bising about which spec to get for Honda Civic, or where got new property project

Don't order food delivery.
Buy groceries, cook and eat at home.

Agree for the same.

Rule numba 1 : Stop saving in shitty fiat that can be just printed away....

Rule numba 2 : Value your networth in buttcoins rather in fiat every 5 years. If todei you're worth 1buttcoin but after 5 years your worth 0.25 buttcoins , that means your getting poorer.

Rule numba 3 : Always pay yourself first to buy buttcoins before anything else.

Rule numba 4 : We should allocate 80% of networth to buttcoins and only keep remaining 20% for usage in fiat.

Rule numba 5 : Always remember always: 1 BTC = 1 BTC

Go big car service center for free breakfast.
Go lotus foodcourt for free parking and aircon.
Collect toilet paper from hotel.
Cancel Astro/Netflix support Jack Sparow.
Use long life prepaid instead of postpaid.
Buy China OEM branded.
Shower in Apartment pool toilet.
Crash wedding dinners or Shareholders AGM for Delicious meals.

cash out your money and stash it somewhere else

i got few in my card holder, some in drawer etc

i learn from our minister

> stop drinking zus coffee/starbucks everyday, bancur your own coffee in office pantry
> Never buy conti car
> don't visit 2feidei port

try to remain the same lifestyle like your first 2-3 years of working

1. Using prepaid instead of postpaid
2. Breakfast at office pantry
3. Dine out never order drinks
4. Track out spending daily with an excel sheet

Try to zhut amoi kolik or milf kolik instead of go gro.

It's simple really:

1. Don't drink
2. Don't gamble
3. Don't party
4. Don't womanize
5. Don't be brand conscious

Pay yourself first by building up your own stream of income.

Tips:
1. Use company's allowance to date. Either you go cheong, spend on dinner, go concert etc.
2. Stay close to company/work place. Savings on fuel and time will allows you more time on side gig.
3. Apply gym membership. (For the sake of tax deduction, also can meet someome nice, also can maintain your health when doing it right)

bring your own meal to office

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

Serious? U mean with rice and veggies?

I don't subscribe to streaming service, just watch YouTube and Tiktok.
Contrary to popular beliefs, Tiktok has a lot of 'useful' contents.

Also, I don't subscribe to Spotify. I convert YouTube music videos to mp3 files, and play from mobile phone.

Do all your crazy shit young.

Gamble, spend on women, do risky strats on shitcoins, wild alcohol parties. whatever vice you have a tendency towards, do it while you're young as long you don't go into debt over it.

By the time you're late 20s or 30, stop all that shit and save up. Don't be a 40 year old drunk, don't be a 50 year old clubber, don't be a 60 year old skirt chaser. Those are the ways you lose money.

This also need to teach.

Nah!

Other than groceries, shop for other stuff during sale...

bond is like money that fall from sky

Hopefully eggs are fresh otherwise you will be spending lots on air freshener.

What does it have to do with air freshener and eggs? Eggs stink? Or the tray stink?

i cook my own dinner.

Focus on the big ticket items first.

Don't buy expensive car for a start and expensive overseas holidays.

Then work your way down. Like drinking local coffee instead of Starbucks.

Yes. I seen doctors with many years running clinic driving Proton whereas Grab driver driving Vios.

I think he/she meant your fart

Eggs are prone to salmonella leading to tummy upsets or wind in your gut. Lol. That said nothing beats eggs fresh from the coop.

naik moto, makan kat mamak, make your own breakfast, or simple breakfast

single, dont have kids, cheapskate

Sell cock


Dapat syiok dapat duit no need pay 2feidei.



Profiiiiiiit

This post has been edited by Ayambetul: May 20 2025, 08:41 PM

There's only so much you can save if your monthly Income is low. It's just not worth saving when you have low salary

First thing is increase salary first, then think of how to grow the extra money

wear same undie for 4 days.

household item don't have to buy, go besi buruk take can already

car battery don't wait till dead only change, after 1.5 years CCA still good, take it out and sell as 2nd hand battery

engine oil, no need to buy, u can collect from oil bottle that ppl sold to besi buruk, each bottle sure will have some oil left, tilt it upsidedown and collect from there

Agree bro.

If u full boil until yoke is hard, is ok.

Salmon only apply to soft boil

Mamak also expensive dei, Maggi goreng with telur mata, Milo ice, the tarik x 2, cheese nan, and tosai can easily reach 28 ringgit.

If masak chicken rice, that same money can easily cook for 7 people already, a good portion of chicken, feel full much longer.

My nephew likes to eat maggi goreng at mamak...

This post has been edited by smsid: May 20 2025, 09:22 PM

saving money?
increase you income better...

All these tips can only save peanuts

Invest to increase top line is always easier

mamak's price has been cutting throat since forever, i already boycott it 10 years ago.

Same, but once a while nephew come stay at my house, go belanja him outside at SS18 SJ mamak, the corner lot.

What kind of Jack Sparrow apart from torrent?

those rekon jack sparrow is also another asshole

you need broadband and you need vpn

end up also paying more than 100 per month

we need adam2 or that insurance prick berjaya sompo fella to give us some financial tips on how to get free makan instead

For those with the dedicated coffee maker, hnngghhh. RM8 saved per cup.

15k salary - myvi 2nd gen rm35k

yg lain ko pikiak sendiri ah

Might as well don't live.

Dont get married and if you did, don't get child/children.

Luckily I spent only RM6 for dinner for me and my wife. Tapau from canteen subsidised food.

Any carb (noodle, rice, can tambah portion) + 2 vege + 1 meat for RM6.
Sometimes the canteen lady will give too much dishes, then I can share with my children as well, making it only RM2/meal for each of us.

- No expensive coffee. (or have 1 to treat yourself every month)
- No supper.
- One heavy meal a day... or at most, eat twice if you can't stand it.
- Reduce going out, and walk more instead... Simple pleasantries can go a long way.
- No credit card debts / no new cars / no borrowing.
- Cook at home.
- Do not be put under peer pressure to own things... Stay away from materialism.
- No alcohol, or bare-minimum-once-an-occassion/blue moon-drinking.
- Close every lights at night, and only use fan instead.
- If you can, try not to own a car (or not to drive)... use public transport or bicycle instead.
(Reuse the same ol' car and learn to maintain it really well; learn about decarbonizing, etc ---- works wonders for the long-haul)

- No fast food, no high-carbs roti canai all-day long. Instead, eat really healthy and I mean whole foods / raw foods cooked (health is wealth).
- Use bare minimal prepaid and WiFi on-end. Whenever you're travelling long distance, top-up for the day for necessary data and also emergency calling.
- Shut the power switch down before going out and close off SYABAS' tap (if you're staying in a landed property).

These are pretty much what I did this when I was a fresh bird...

EDIT: No TV/Spotify/Unnecessary subscriptions.

This post has been edited by Hastebreak: May 20 2025, 11:15 PM

beancurd with rice

collect toilet rolls from shopping malls

buy needs
not WANTS

when u gets older all the above,will have less effect on u

ofcause increase income better la,but this is not instant,at least save money u can start right now

It is NOT about saving…

It is about earning more

Why can't it be both saving and earning more?

buy in bulk... like my mum..

buy 20 packs of toilet paper just becoz mydin got offer..

200 rolls dunno use until when since only my father and her in the house

lol

great idea

/k have any more money saving tips?

This method works best

Savings is a commitment
Gaji masuk, savings and hired purchase gets paid first.
After that lifestyle changes will comes naturally when seeing a lower bank balance.