MONEY NO ENUF!!

I received this forwarded mail a few days ago about how the government wants us to change our lifestyle. I mean it's not easy but I've made a few changes since prices of daily necessities went booming high up.

Let's say the average salary of every Malaysian is RM3000 and provided that the wives aren't working. How much can one family save?

NONE!

Let me break down for you roughly on our monthly spends if Hubby's salary is RM3.6k a month....

INSURANCE, EPF, LOANS, etc RM685

-can't afford proper insurance like HLA, AIA, MAA, or AAA

MILK & DIAPERS (2 children) RM500
-last time they drink Enfagrow but since the price went from RM64 to RM88 a tin, we couldn't afford anymore.. so it's SUSTAGEN now
-used to use MamyPoko then degraded to Huggies and now... Drypers.. haven't I downgraded a couple of times?




ELECTRICAL, WATER AND LODGING RM500
-luckily we're staying at my mom's.. so we actually saved quite a lot on mortgage




MY PHONE BILL RM85
-hub is using company line.. which is good



CREDIT CARDS RM700
-once bitten twice shy



DAILY NECESSITIES @ TOILETRIES @ GROCERIES @ MARKET RM400
-juices, biscuits, titbits, milo, ladies' stuff, cereals, shampoo, tissues, etc.



VITAMINS (3 children 2 adults) RM200 and maybe more
-vitamin C, my multivitamins, hub's multivitamins



HUBBY'S BREAKFAST & LUNCH (5 days a week x RM10 a day) RM200
-breakfast : toast bread, half boil egg and tea;
lunch : rice/noodles and a drink
*no ice-kacang, no coconut, no fruits



JOE'S LUNCHBOX (5 days a week x RM3 a day) RM60
-a pack of drink with bread/cookies/cakes



CONTACT LENS + SOLUTION RM80




BOOKS & SCHOOL RM250
-there's always something extra for school.. comes very sudden but frequent



MISCELLANEOUS RM200
-sometimes it's the toll, maybe the ice-cream stops or maybe donations, etc

It's already RM3860... though we're grateful of what we have, it's much more better if we can save some for...

LEISURE; games, holiday, romantic feast, shopping






and for the FUTURE....