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Saturday, July 9, 2011

Can a family man with salary RM3,000 survive in Malaysia?

Bila bercakap pasal gaji, memang tak pernah nak cukup. Ada aje yang nak dibayar bila cukup bulan.  Kena la buat budget supaya tak tergelincir.  Cuba tengok camne seorang lelaki berkeluarga yang dok kat Malaysia (terutama KL la kan, Kuala Lumpur ya, bukan Kuala Lipis atau Kampung Lepat) nak tanggung keluarga dengan gaji RM3,000.
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 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 theatre, No water heater ... ok?)

 

Phone bill :          
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 book s 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 etc)

 

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! Shit!
RM3,610 already...
 

EPF belum potong, income tax lagi........ oledi RM3,610 ....

 

How to survive lah tuan-tuan dan puan-puan sekalian ???


Gitu la cerita sorang lelaki yang dok kat KL ni, memikirkan camne nak tambah pendapatan. Mana nak carik duit lebih weh????? Join la MLM ke, jual burger malam-malam ke, jual nasik lemak ke.... hehehe

Things to ponder.....................

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