Can a family man with salary RM3,000 survive in Malaysia?
Let's do some simple calculations here.
In Malaysia, the average family income is RM3,000/month (where father works, mother doesn't).
I understand there are many families whose monthly income does not reach RM3,000 but to make things simple, let's take RM3,000 as the figure.
Ok, let's start rolling with a family which has papa, mama, 1 daughter and 1 son. Calculation starts...
Electricity and water bill: RM100
(no air-cond, no home theatre, no water heater...)
Phone bill (Telekom): RM100
Meals for a happy family: RM775
(3 meals on RM25/day where RM25 for 4 persons)
Papa makan / teh-tarik during working hrs: RM155
(RM5/day)
Car repayment: RM400
(a proton saga aeroback, 7 yrs repayment)
Petrol (living in city, traffic-jam): RM300
(go to work, bring son to school, only can afford one car running)
Insurance: RM650
(kids, wife and myself)
House repayment: RM750
(low cost housing repayment for 30 yrs, retired still have to work to pay!)
Tuition: RM80
(got that cheap? I don't think so...)
Older children pocket money @ school: RM20
(RM1/day, eat bread?)
School fees: RM30
(enough?)
School books and etc: RM100
(always got extra to pay in school)
Younger children milk powder: RM50
(cannot have the DHA, BHA, PHA one....expensive)
Miscellaneous: RM100
(shampoo, rice, sauce, toilet paper)
Oh wait!!! I have to stop here, so...
no Astro,
no movie @ cinema,
no DVD,
no CD,
no online,
cannot KFC,
cannot McDonald,
cannot go Park walk during weekend (petrol expensive),
no chit chat on phone with grandparents, and etc...
Let's use a calculator to total up....RM3,610 already!
EPF belum potong, income tax lagi....already RM3,610...
How to survive???
Let's think about it (lu pikir lah sendiri...!!!)
Let's do some simple calculations here.
In Malaysia, the average family income is RM3,000/month (where father works, mother doesn't).
I understand there are many families whose monthly income does not reach RM3,000 but to make things simple, let's take RM3,000 as the figure.
Ok, let's start rolling with a family which has papa, mama, 1 daughter and 1 son. Calculation starts...
Electricity and water bill: RM100
(no air-cond, no home theatre, no water heater...)
Phone bill (Telekom): RM100
Meals for a happy family: RM775
(3 meals on RM25/day where RM25 for 4 persons)
Papa makan / teh-tarik during working hrs: RM155
(RM5/day)
Car repayment: RM400
(a proton saga aeroback, 7 yrs repayment)
Petrol (living in city, traffic-jam): RM300
(go to work, bring son to school, only can afford one car running)
Insurance: RM650
(kids, wife and myself)
House repayment: RM750
(low cost housing repayment for 30 yrs, retired still have to work to pay!)
Tuition: RM80
(got that cheap? I don't think so...)
Older children pocket money @ school: RM20
(RM1/day, eat bread?)
School fees: RM30
(enough?)
School books and etc: RM100
(always got extra to pay in school)
Younger children milk powder: RM50
(cannot have the DHA, BHA, PHA one....expensive)
Miscellaneous: RM100
(shampoo, rice, sauce, toilet paper)
Oh wait!!! I have to stop here, so...
no Astro,
no movie @ cinema,
no DVD,
no CD,
no online,
cannot KFC,
cannot McDonald,
cannot go Park walk during weekend (petrol expensive),
no chit chat on phone with grandparents, and etc...
Let's use a calculator to total up....RM3,610 already!
EPF belum potong, income tax lagi....already RM3,610...
How to survive???
Let's think about it (lu pikir lah sendiri...!!!)
2 comments:
thats wy u need to invest ur money so taht ur money wil grow and by the time u retire, the money will work for u maaaa...
:)
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to know more about total financial solution where we create, protect and preserve our wealth...
tq...
yeah..that's damn right! jom melabur..
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