Taking the worst case scenario,a fresh grad with a pay of rm 2000. After tax,assumption leaving around rm1800.
The rm 1800 salary can breakdown into
- Rm 500 assuming taking a new proton car worth around rm45000 and a rm20000 downpayment @ a 3.45% or so,thus the monthly installment will b apporoximately rm 500.
- Rm400 for fuel and toll
- Rm300 for room rental assuming I work outside kl or selangor.
- Rm100 saving for annual car insurance.
- Meaning I could spend less than rm 20 a day for food.meaning no more luxury such as mc donalds, or movies or even trip back home if I were to stay out of state.
No more new clothes,even spending on gf will b tight. It's not trifty,it's just hard fact.thus as I wrote this in 1u, in front of shop like bebe,Ralph lauren,fcuk n Tommy.it's farewell till I c u again when am succussful