With this and that increasing lately, I really don’t know what else to do in order to meet months end with all the bills and expenses that we need to pay. Everything else UP but our salary still the SAME. And when I got this in my email yesterday, I agree 101% with it.

Let’s do the calculation together, shall we?

Can a family man with Salary RM3,000 survive in Malaysia
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 lah, right?
Okay, let’s start rolling with a family which has Papa, Mama, 1 daughter and 1 son. Ngam-ngam ….
Calculation starts…
Electricity and water bill:    RM100
(No air-con, No home theater, No water heater … ok?)
Phone bill ( Telekom):          RM100
Meals for a happy family:    RM775 (3 meals on RM25/day, RM25 for 4 persons…?)
Papa makan / teh-tarik during working hrs:  RM155  (RM5/day, RM5 .. can eat what?)
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 meh? I don’t think so)
Older children pocket money @ school:  RM20  (RM1/day, eat bread?)
School fees:  RM30 (enough ah?)
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)/font>
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… WALAO EH! RM3,610 already…
EPF belum potong, income tax lagi……..oledi RM3,610 ….
How to survive lah tuan-tuan dan puan-puan sekalian ???
No wonder so many Ah Lung around lah… …

Hmmn seems like I have to cancel my intention to get the life insurance quotes from my agent since I don’t think I can afford to add one more bill to my TIGHT budget