Im 24 and earns only around 3k permonth.

blm loan 350,
petrol 250,
room rental 300,
eat 500,
streamyx 100,
phone bill 100,
weekly paktoh eat only 100,
thats all i used.

guess stuff, nike stuff, alain delon stuff, (jusco so called branded -.-")
and occasionally some below 3k white gold not much problem.
can change mine & my gf hp at least 2 times a year,
estimate can get a house by 30 -.-" (using epf @.@)

i do not go for branded stuff, clubbing, travel, or something like that.
but i love gadget, luckily not a freak .

ill be very happy if i can 5k by 30.
of cos my gf will be more happy from guess upgraded to lv or gucci lol.
don expect much dude, this world is difficult.