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Message: <blockquote data-quote="TitanRev" data-source="post: 3144731" data-attributes="member: 10047">What CSL, said in his 1st page posting is right. Rich is a very subjective thing. Earning 50,000 a month can also consider rich, 100,000K a month is also rich. 8,000 a month is also rich. My own financial planning is doing budget 2 months ahead. My gf and I monthly net salary is RM3800. (for now) My fixed monthly commitment:RM600 for house loan (House not completed yet)RM110 for hand phone bills (2 person)RM360 for Life insurance (2 person) The monthly is about RM90 but I pay 2 months on each subsequent month so that following month I don't need to pay it so I can have less expenses for next month. She only pays for her own insurance others i will pay it. So roughly my own saving for each month I tend to set it not to go lower than RM1000 and i did it. My monthly saving is about RM1080~RM1100 not including my gf. I know the amount might seems small to many people but at least there's something better than nothing. I bought a single storey terrace house end of 07 on my own despite my family is financially capable of helping me but I refuse as I don't want to be dependent on other. I paid 10% DP and still have about RM5000 in my saving. Me and my gf each had a mutual fund account after seeking advice from my family and my sister. So my house now about 70% complete next year can obtain CF and we are now planning how to renovate the house at needed areas as I still need to plan for our wedding in about 3 years time and to purchase a car for her to work as she's now using her family car. At 1st I really bad at budgetting and financial control. My savings will not go over RM1000 that time always argue with my gf due to spending too much and i start to control myself and started doing some budget change so besides good budget skills self determination is also very important. I took only 1 year of time for my saving to reach RM17,xxx because I set the target. From my experience, I always set my target higher than what I want so that I earn more than what I needed. It worked out very well for me, it's like a mind game. Learning new skills at work is also very important, don't always think that your current position is forever. Really need to climb up the ladder, I 1st started out as a technician at my own family business now I'm in charge of the whole sales, production and shipping area. I told my family i want to start out from the ground and not in the sky. Even though it's my family business, my dad doesn't treat me soft. If I do wrong or got mistake, I will get F*ck like other staff. Before all this, I worked for other people also, Hotels, restaurant, the last job was working in Toyota as i'm studying Automotive Engineerring.</blockquote>

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