I’m 25 yo, just graduated dental school and currently awaiting for compulsory government posting in abt 3 months (read:unemployed and doing part time jobs)
My parents contributed a lot and here’s my current situation
TH: 25k
KWSP: 15K
ASB: 12K
Savings: 9k
Luno: rm800
current income: 1.5k/month
I’m a girl with a bit of a spending habit and have this idea that “money will come again but I’ll never be this young” so i only I saved up around 300 a month and spend most of my income on eating out, travel w friends.
Currently i dont have any commitments but i’ll be taking over my car payment once i start my government position.
Car payment is 788/ month (7 years).
An I’ll have to start paying JPA 30k (because i chose not to stay in gov)
I’ll be earning around 4k a month in government but i plan to enter the private sector after a year (min 7k/mnth first year)
I’ve started to learn about finance, picked up a couple of books and started to looks into investment apps like moomoo. I plan to start investing more once i have my gov salary.
I really just want to enjoy my life before being a tired dentist but i’m also scared if i won’t have enough to be comfortable or im being careless with my money.
My goal is to at least have 300k by 30 and i want to make sure it’s doable
My parents contributed a lot and here’s my current situation
TH: 25k
KWSP: 15K
ASB: 12K
Savings: 9k
Luno: rm800
current income: 1.5k/month
I’m a girl with a bit of a spending habit and have this idea that “money will come again but I’ll never be this young” so i only I saved up around 300 a month and spend most of my income on eating out, travel w friends.
Currently i dont have any commitments but i’ll be taking over my car payment once i start my government position.
Car payment is 788/ month (7 years).
An I’ll have to start paying JPA 30k (because i chose not to stay in gov)
I’ll be earning around 4k a month in government but i plan to enter the private sector after a year (min 7k/mnth first year)
I’ve started to learn about finance, picked up a couple of books and started to looks into investment apps like moomoo. I plan to start investing more once i have my gov salary.
I really just want to enjoy my life before being a tired dentist but i’m also scared if i won’t have enough to be comfortable or im being careless with my money.
My goal is to at least have 300k by 30 and i want to make sure it’s doable