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@resjudicata I put the rm500 savings under my kids ASB. The other rm500 is to repay RM100K ASB loan

@resjudicata Yes

@gladysbrierley No, my spouse isn't working. I'm the sole breadwinner

@kate1989 I'm still thinking if I should keep my other car (a 10 year old Honda City) or just sell it off I'm quite sentimental with this car as this is my 1st car in Malaysia and has served me well over the years. The car is still running fine with no issues.

@mercyfollowsme Not CX-5. I'm looking at Subaru Forester as it fits my needs better. The CX-5 would cost about RM100-150 more in monthly installments but also comes with 5 years free service. But regardless, it's not as practical as Forester due to the tight space. Also looked at CRV but this...

@mattmanticus Yes it's sort of an insurance-linked plan. It's a 7 year commitment, still have 4 more years.

@nativepride I'm a very risk-adverse person.

@doots Thanks for the advise. I don't really have a solid emergency fund. The only untouchable savings I have atm is my EPF (even this was not high enough coz I only started contributing from 2021 onwards)

@amysmith0588 What's the ideal income if I want to buy a car that cost additional RM1.5K a month?

@doctored It's a MRT-linked property. Other properties around the area are being rented out for atleast RM1.8K. Even those older buildings which are far from MRT are going for atleast RM1.4K. So I'm hoping this property should fetch me RM1.5K-1.6K at least. Anything below that doesn't really...

@savasa82 I'm open to suggestions, but yet to find a car that fits the bill

@ant101 I do give out lump sum cash to my parents from time to time but they are generally not dependent on me for day to day expenses.

@blackfriar Owh u mean if I go ahead with my purchase? Then yes, only RM500 left in cash. For emergencies, may need to stop contributing to ASB or SSPN for certain months

@kate1989 Just keeping it in my bank account and use it for emergencies.

@blackfriar No, around RM2K

@mavis1950 Yeah, 10 years ago when i just started working I thought I would live a lavish life with RM11K. But reality is totally different. The fact that I'm paying more than RM2.1K a month in taxes still kills me. Taxes remain the biggest deduction from my salary. And yet, the government is...

TLDR version: Nett Income: RM11,400 p.m. Total Commitment: RM9,400 p.m. Cash Savings: RM2,000 p.m Planning to buy a SUV, which has been a long time dream, by this year. Monthly installment roughly around RM1.5K++ and it comes with 5 years free service. But concerned with the removal of fuel...

@elizabetha89 Buy me. It's not even a discussion