As what we know, what we able to earn for each month is fixed, yet we still got a lot of fixed expenses and thing we thought as reward.
My detail earning and expenses per month are as follows:
Net Salary after EPF and Socso MYR 1940
Here are the listing of my expenses:
- Electricity Usage Charges MYR 500++
- Water Usage Charges MYR 40+-
- Telephone and Internet Charges MYR 160+-
- TV Program Rental (ASTRO) MYR 107
- Study Loan (PTPTN) MYR 150
- Transport MYR 150
So basically after 1st day of each month my salary just left MYR 833 for saving and daily meal. My saving is MYR 400 per month so my daily meal expenses have to control within MYR 14.
With the Saving of MYR 400 per month I will utilize it on following items:
- CIMA exam fees approximate MYR 1200
- CIMA subscription fees approximate MYR 500
- Network Wiring MYR 80 (45m UTP Cat6 + 2 RJ45 male head +2 Cat6 connector +2 RJ45 Boot)
- Digital Camera for working purposes MYR 1000
- Driving Licenses MYR 1200
- New Bed for my parents MYR 1000 (share half with my sis)
- Motorcycle upfront MYR 2000
- Repayment to Loan Shark MYR 75,000
- Re paint my house MYR 1000
- Oven MYR 1000
- Car upfront MYR 10,000
- House up front MYR 100,000 (if i buy MYR 500,000 house, getting loan from bank sooner will need pay 20% upfront)
- DSLR camera MYR 3000
- Washing Machine MYR1500
- Refrigerator MYR 2000
So total i need to save MYR 200,480. so divided MYR 400 per month i need to save 501 months mean 42 years ~ So conclusion is i'm poor until 65 years old which still not included money for get marry and money to give my wife and son ... hahaha
