Sunday, March 29, 2015

Trying times


Since coming home to Malaysia, I didn't manage to save at all from my monthly salary. True story. 

In fact, I've never felt this 'poor' in my entire life-financially I mean. Ok. Of course I am thankful that we are living in a peaceful country, eating good food and having a roof over our heads (syukurlah Malaysia masih aman).

However, the cost of living in the city nowadays is beyond ridiculous. I don't know how people manage because I find it extremely hard to do so. Our loans are increasing and there's always a balance in my credit cards account (and they are hefty amounts). I mean, that's my way of surviving, making more debts every months. 

In the end, I'm left with zero saving, overdue credit card payment..and a headache.

So, yesterday for the first time I've decided to go through our monthly expenses and find out where we went wrong.

Expenses (pre-GST if I may add):

1. house loan                                                           rm2000
2. house maintanence                                              rm220
3. maid                                                                    rm600
4. bills (astro, eletricity, mobile, internet,etc)        rm650
5. groceries                                                             rm1000
6. Mia's school                                                       rm300
7. petrol                                                                  rm500
8. tol                                                                       rm200
9. car loan (myvi)                                                  rm500
10. house rent in Bentong                                     rm700
11. parking                                                            rm170
12. water filter                                                      rm110
13. personal insurance                                          rm530

Total expenses: rm7580!

That does not include monthly incentives to my parents (sometimes I fail this because I ran out early. OMG I feel so guilty), daily lunch expenses and of course eating-out. 

Sometimes, things are not always smooth sailing..unexpected expenses will pops out- broken gadgets/appliances/car that needed fixing, car insurance/tax, etc.

So what's left for shopping and savings? Not much I'm telling you.

I'm looking to cut down as many expenses as possible, but actually there's not much that can go. Ok, maybe we can live off astro, cut down a bit on groceries.. but that is it. Unless we give up the house for rent (that's about r1800 something), we will continue to be in a deep bottomless pit. I threw out the idea to dear husband last night (renting out the apartment), and I know he's a bit reluctant to do so. This means that he will have to commute daily to work (nearly one and a half hour's drive per trip) and we will no longer have our sanctuary in KL. This apartment is our dream house, our happy place...(not to mention we have spent around 20k on renovations and appliances last year for it)

Of course, we may not want too, but that's our only option at the moment. 

Urghh..I woke up feeling low this morning. I'm worried about the future...

Oh yeah, the laptop broke down this morning too, just to add to our misery..





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