Situation A
Baby is working with a private sector where people say pay a big sum of salary. Never did people know that her monthly income is only RM2K++ without any allowances as what the Government people are earning. Her net income after deducting Insurance, EPF, Socso etc, is RM1,500++. The following are her monthly expenses after her net salary :_
Pay Car Installment = RM570.00
Pay HP bills = RM50.00
Pay Credit Card ( 1 card) = RM300.00
Pay maid = RM150.00
Other monthly installment = RM200.00
B’fast & Launch
(RM7 x 5 days x 4 weeks) = RM140.00 (kuih in the morning & nasi lemak for launch)
Total monthly expenses = RM1,410.00
NET Balance income = RM90.00
Note : She’s using her own car to work and share with her husband on the petrol which cost them RM90 per week. (No weekend, no shopping)
Can somebody tell her how to survive with her net balance of income?
Situation B
Jamie is working as a government servant earning about RM4,000 ++ with all the government allowances. He also provided with government vehicle and of course with free petrol. After deducting loans, pension/EPF, and other deductions, his net take home pay is around RM2K++. He also earn extra income from his land tenancy which he get around RM3,000++ (just to put the figure at a minimum amount). Someone’s Pension RM800++ payable to him. His other expenses is as follows:-
Pay Car Installment = RM1,500.00
(Just bought new car and have 1 other car which he have finish paying)
Electricity = RM200.00
Water = RM100.00
Credit Card (3 cards) = RM300.00
Handphone Bill = RM100.00
B’fast & lunch = RM500.00 (campur belanja GF)
Other expenses = RM300.00
Total monthly expenses = RM3,000.00
NET Balance income = RM2,800.00
Situation C
Diana is also working with the government (in education field) and earning RM3,000++ monthly. After deducting all the other necessary deduction will bring home around RM2K++.Work place is just 15 minutes drive form home (plus jam. With no jam less than 10 minutes.). Her other expenses is as follows:-
Pay Car installment = RM900.00
Pay Study Loan = RM300.00
Handphone bill = RM70.00
Credit Card (3 cards) = RM200.00
House phone = RM30.00
Pay maid = RM150.00
Total monthly expenses = RM1,650.00
NET Balance Income = RM350.00
You guys be the judge, who earn a lot and not going to suffer even have to come out with an emergency money of RM850 for only one month? Who have to work extra hour to cover up expenses and in order to save money? Who have really sweet time enjoying life?
8 comments:
I guess Situation B and C is the more lucky one in this 3 situation.
BTW just for sharing, I know a person named Daud who work in a private college with an income of RM19++ without any allowances whatsoever. After EPF and Socso - RM1593. No bonus. No overtime paid.
His monthly expenses are:
Pay Car Installment = RM453
Sabah Credit Loan for another 8 1/2 years = RM499 (taken for wedding)
Pay HP Bill = RM50
Pay Credit Card = RM700 (3 cards)
Electricity = RM130
Streamyx = RM88
Telekom = RM35
Water = RM20
Car Fuel KK-Papar everyday = RM19x28days a month = RM532
Daughter Nursery Fee = RM300
Lunch RM 6 x 6 days a week = RM360
Baby Diapers = RM200
Baby Milk = RM50
Total monthly expenses = RM3,417
NET Balance Income = -RM1814 (negative)
Luckily he got no study loan because of scholarship last time.
As you can see; no lunch(eat biscuit+milo at home before going work), No new shirt(wear till lusuh), No newspaper, no new shoe(wear till torn), no KFC pizza or fastfood, no movie outing, no 1borneo, baby play with botol mineral as toy, no BabyCarChair(pegang pakai tangan ja sebelah), Sunday stay at home only eat maggi n sleeping.
Of course Daud got wife but she also got lower income RM18++ and other expenses (study loans, Sabah Credit Loans, hp reload, food, other baby stuffs, younger brother to help,) -no makeup, no new dress, no blink2.
Last time I heard Daud got work as part time OUM tutor but now resigned coz Sunday class will make him work 24/7 no rest+family time+house chores.
I also heard he got Internet Money but know the money is drying up coz the blog is not famous anymore.
I heard Daud said that he only wait for time to die..pity him.
Luckily no Alongs debt if got die long time ago. LOL.
Daud and Baby are in the same shoe. Life now really drying things up even with blog there isn't always opportunity or $$$. Have to survive with whatever we can have. Thinking of opening up business but with low supply of $$ how to even start the damn business?. Guess I am not alone here right.
But I heard this Daud is also earning from 5 blogs and making a handsome income of more than RM4,000 via blogging?
wah is it so? Wish I can earn that much
Wah someone is making comment as anonymous..so chicken..
Daud already mentioned that RM4,000 a month is history and a thing of the past..I also heard he is banned from adsense..so pity. Dunno why..
BTW, What business are you planning? Maybe got some opportunity to joint venture..
Hmm..how to comment..ya who is that anon..doesn't matter la. most people are living on a negartive balance nowadays..that is why more and more ppl succumb to the plastic money..yes, if there is an oppotunity to start up a small biz, just go ahead..don't care what other ppl say.the income no matter how small, at least it will helps in paying bills like hp and ccards..
so pity to those who earns less than 1k in kk...nasib still got relatives to tumpang rumah and sorts...maybe this anon can also share his/her success in encouraging other bloggers to earn side income (of course la halal punya style)..unless we are all half pass six punya politicians.....heheheheh
Everyone is living beyond their means nowadays. They can't help it.. But as they say, Quirin.. besar periuk nasi orang tu, keraknya pun banyak. So, some people might earn more but their debts are higher too. Fancier car, bigger house, etc..
Just gotta find a way to make it work lah kan? *sigh*
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