My Finance Management!

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:

1. Electricity Usage Charges             MYR 500++
2. Water Usage Charges                  MYR  40+-
3.  Telephone and Internet Charges  MYR 160+-
4. TV Program Rental (ASTRO)      MYR 107
5. Study Loan (PTPTN)                  MYR 150
6. Transport                                    MYR 150

Total                                                    MYR 1107+-

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:

1. CIMA exam fees approximate MYR 1200
2. CIMA subscription fees approximate MYR 500
3. Network Wiring MYR 80 (45m UTP Cat6 + 2 RJ45 male head +2 Cat6 connector +2 RJ45 Boot)
4. Digital Camera for working purposes   MYR 1000
5. Driving Licenses   MYR 1200
6. New Bed for my parents MYR 1000 (share half with my sis)
7. Motorcycle upfront MYR 2000
8. Repayment to Loan Shark MYR 75,000
9. Re paint my house  MYR 1000
10. Oven MYR 1000
11. Car upfront MYR 10,000
12. House up front MYR 100,000 (if i buy MYR 500,000 house, getting loan from bank sooner will need pay 20% upfront)
13. DSLR camera MYR 3000
14. Washing Machine MYR1500
15. 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