Salary RM9500 is enough for me in KL (updated)

encik hachoo — Sat, 02 Nov 2013 01:40:19 +0800

2015 update:

My new salary is +-RM9500.
After minus EPF, tax, insurance, & carpark, my nett salary is +-RM7400.
Monthly expenses (in RM):

House loan: 1141
Car loan: 1307 (new car)
ASB loan: 0 (paid lumpsum using last year ASB bonus)
Astro: 140 (naik harga)
Unifi: 100 (changed to ABN)
TNB: 80
SYABAS: 0 (Selangor)
Touch N Go: 100
Digi: 100 (changed to TuneTalk Tone Excel)
Car fuel: 450
My mom: 500
My wife: 500
My brother: 200
Baby diapers: 66
Baby milk: 280 (dulu NAN, now Pediasure)
Groceries: 500
PA insurance: 86+28

Balance = RM 1822

Now my wife's online business average monthly income is +-RM1000.
We are saving more money now. Alhamdulillah...
Thanks for all the advices!

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2013:

Hi everyone.
I am 26 years old.
I have a wife (fulltime housewife) and a 1 year old baby.
My salary is RM8000 per month.
After minus tax, EPF, insurance, and carpark; nett salary is RM6300.

My monthly bills/out of pocket are:

House loan: 1141
Car loan: 604
ASB loan: 550
Astro: 133
Unifi: 149
TNB: 80
SYABAS: 5
Touch N Go: 100
Digi: 120
Car fuel: 300
My mom: 500
My wife: 500
My brother: 200
Baby diapers: 66
Baby milk: 180
Groceries: 500
PA insurance: 86+28

Balance is RM1058 only, which can finish before end of month, or sometimes cukup cukup.

I'm always wondering how do you guys made it every month?

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2014 update:

1. I got 10% salary increment.
2. I don't pay monthly ASB loan installment anymore, because I paid it lump sum using last year ASB bonus. Still got balance.
3. I got 2 months bonus from my employer last year.
4. My current EPF balance is RM65k.

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Salary RM9500 is enough for me in KL (updated)