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how to afford nice car when everything goes up? =(
Started by
sobiet
, May 27 2006 06:28 PM, 29 replies to this topic
#1
Posted 27 May 2006 - 06:28 PM
Letrik Naik, Cukupke Gaji RM3,000 Sebulan?
- Taken from circulating emails -
Let's to do some calculations here.
In Malaysia the average family income is RM3000 (Father works, mother
doesnt).
I understand there are a lot of families whose income don't reach RM3000,
but, to make things simple, lets take RM3000 as the figure. ok la 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 bil RM100 (no aircond, no home theatre, no water
heater k?)
Telekom and Handphone bil RM100 (cannot make a lot of calls one you know?
NO Streamyx also)
Meal for the whole happy family RM775 (3 meals on RM25/day, RM25 for 4
persons????)
Papa makan/teh tarik during working hours RM155 (RM5/day, RM5 can eat
what?)
Car repayment RM400 (a proton saga aeroback, 7 years repayment)
Petrol RM300 (Living in City, Jam) 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 years, retired
still have to work to pay house!)
Tuition RM80 (got that cheap meh?? No, I don't think so)
Older children pocket money @ school RM20 (RM1/day, eat bread??)
School fees RM30 (enough ah??)
School books and etc 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, toilet paper)
oh wait!!! I have to stop here, so... No Astro, no movie @ cinema, no
DVD, no CD, no online, cannot KFC, cannot Mc Donald, 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 EI.. Shit! RM3610 already..
EPF belum potong, income tax lagi,........ oledi --- RM610...
How to survive laa tuan-tuan dan puan-puan sekalian??? Our Deputy Prime
Minister ask us to change lifestyle? How to change? Don't eat? Don't
work? Don't send children to school and study?
Besides that, I believe in Malaysia population, there are millions of
Rakyat Malaysia which still don't earn RM3000/month!!!
What is this? Ini lah Malaysia Boleh.. Sorry.. it should be Malaysians
Boleh, because we're still alive and kicking!!
Our politicians must be mad!!!!!!
p/s - Hari ni 25/2/2006, eletrik naik 12% kalau dulu belanja RM100
sebulan sekarang dah RM112 sebulan. Kerajaan Barang Naik memang bagus...
najib kata rakyat Malaysia perlu ubah cara hidup... how? eat pasir?
nice car? In our dreams!
- Taken from circulating emails -
Let's to do some calculations here.
In Malaysia the average family income is RM3000 (Father works, mother
doesnt).
I understand there are a lot of families whose income don't reach RM3000,
but, to make things simple, lets take RM3000 as the figure. ok la 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 bil RM100 (no aircond, no home theatre, no water
heater k?)
Telekom and Handphone bil RM100 (cannot make a lot of calls one you know?
NO Streamyx also)
Meal for the whole happy family RM775 (3 meals on RM25/day, RM25 for 4
persons????)
Papa makan/teh tarik during working hours RM155 (RM5/day, RM5 can eat
what?)
Car repayment RM400 (a proton saga aeroback, 7 years repayment)
Petrol RM300 (Living in City, Jam) 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 years, retired
still have to work to pay house!)
Tuition RM80 (got that cheap meh?? No, I don't think so)
Older children pocket money @ school RM20 (RM1/day, eat bread??)
School fees RM30 (enough ah??)
School books and etc 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, toilet paper)
oh wait!!! I have to stop here, so... No Astro, no movie @ cinema, no
DVD, no CD, no online, cannot KFC, cannot Mc Donald, 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 EI.. Shit! RM3610 already..
EPF belum potong, income tax lagi,........ oledi --- RM610...
How to survive laa tuan-tuan dan puan-puan sekalian??? Our Deputy Prime
Minister ask us to change lifestyle? How to change? Don't eat? Don't
work? Don't send children to school and study?
Besides that, I believe in Malaysia population, there are millions of
Rakyat Malaysia which still don't earn RM3000/month!!!
What is this? Ini lah Malaysia Boleh.. Sorry.. it should be Malaysians
Boleh, because we're still alive and kicking!!
Our politicians must be mad!!!!!!
p/s - Hari ni 25/2/2006, eletrik naik 12% kalau dulu belanja RM100
sebulan sekarang dah RM112 sebulan. Kerajaan Barang Naik memang bagus...
najib kata rakyat Malaysia perlu ubah cara hidup... how? eat pasir?
nice car? In our dreams!
#2
Posted 27 May 2006 - 07:28 PM
Wow, what an article. I support infinity trillion zillion %. I know
there's millions out there whose daily struggle are near legendary to
make ends meets in Malaysia. I start to long for the past TM whose
management over 20 years in Malaysia never see such a godzilla jump over
the petrol or electricity. Those days the increase was merely 5 cent not
30 cent and the uppage was merely 5% not 12%. I feel there's a weakling
rasputin managing this country now. Of course all those datuks/ wives/
kids/relatives are not affected. But those who scrap at the bottom edge
definitely suffer. I pray those responsible for talking out the
lifestyle change and causing these double whammy increase may burn and
rot in hell.
there's millions out there whose daily struggle are near legendary to
make ends meets in Malaysia. I start to long for the past TM whose
management over 20 years in Malaysia never see such a godzilla jump over
the petrol or electricity. Those days the increase was merely 5 cent not
30 cent and the uppage was merely 5% not 12%. I feel there's a weakling
rasputin managing this country now. Of course all those datuks/ wives/
kids/relatives are not affected. But those who scrap at the bottom edge
definitely suffer. I pray those responsible for talking out the
lifestyle change and causing these double whammy increase may burn and
rot in hell.
#3
Posted 30 May 2006 - 02:45 AM
Have to agree wif u la Sobiet,
Really dont know what is going on now la wif the country...
Consumer Price Index at 4.6%
Singkapo n Cina n Taiwan only 1.2%
US only 3.4%
S Korea only 2
the highest only Indon at 15.4% (understandable la looking at the state the
country is in rite now)
Thailand 6% (understandabla oso la wif Taksin going down, riot and all)
But malaysia???? Aman damai oso kan go that high meh???
Helan ooh, sgt helan...
#5
Posted 02 June 2006 - 08:21 PM
thanks sobiet for a most pragmatic mathematics of malaysian life.
If only our leaders can understand/accept that this is happening every
where..every day.
the equation had not taken into consideration running cost of the car !
rd tax , insurance, maintenance --this cost easily another $100 a month.
the amount for food of 775 i feel is a bit high,tapi should not stinge on
makan..
buy a cheaper car, pay it off faster, than the family save the 400 monthly
repayment. Cheaper car can insure third party only, no need compre ins,
save bit more..
Wife may have to make some nasi lemak to sell, extra $10nett untung a day
x28 days means xtra $280 a month.
daddy better not smoke, this takes away rm 150 to 200 /M easily..(a packet
$5--$7)..
how else can we help this typical family SURVIVE ? folks, pls chip in your
ideas.
If only our leaders can understand/accept that this is happening every
where..every day.
the equation had not taken into consideration running cost of the car !
rd tax , insurance, maintenance --this cost easily another $100 a month.
the amount for food of 775 i feel is a bit high,tapi should not stinge on
makan..
buy a cheaper car, pay it off faster, than the family save the 400 monthly
repayment. Cheaper car can insure third party only, no need compre ins,
save bit more..
Wife may have to make some nasi lemak to sell, extra $10nett untung a day
x28 days means xtra $280 a month.
daddy better not smoke, this takes away rm 150 to 200 /M easily..(a packet
$5--$7)..
how else can we help this typical family SURVIVE ? folks, pls chip in your
ideas.
#6
Posted 03 June 2006 - 12:48 AM
no more TT at mamak stall (They're expensive nowadays anyway) ...
If really cannot tahan.. then TT in front yard...
If really cannot tahan.. then TT in front yard...
#7
Posted 05 June 2006 - 01:36 PM
How to fit a single working adult family of 4 with an income of 3K
Post EPF & Tax = RM2,600+
Housing Loan for a RM60K apartment = RM450 (incl. service fee)
Car Loan for a 2nd hand Saga or Kancil = RM300 (around there la)
Utilities = RM100 (electricity, water, indah water)
Mobile Phone Bill (these days a norm) = RM50
Car Misc. (petrol, roadtax, insurance, repairs, etc) = RM400
Food = RM900 (all in)
Tuition? = 0 (if include, means education system fail ma )
School Fees, text books and allowance = RM300 for 2 kids
Splash fund (wife's clothes ) = RM100
ngam ngam ...
Post EPF & Tax = RM2,600+
Housing Loan for a RM60K apartment = RM450 (incl. service fee)
Car Loan for a 2nd hand Saga or Kancil = RM300 (around there la)
Utilities = RM100 (electricity, water, indah water)
Mobile Phone Bill (these days a norm) = RM50
Car Misc. (petrol, roadtax, insurance, repairs, etc) = RM400
Food = RM900 (all in)
Tuition? = 0 (if include, means education system fail ma )
School Fees, text books and allowance = RM300 for 2 kids
Splash fund (wife's clothes ) = RM100
ngam ngam ...
#9
Posted 28 June 2006 - 09:58 AM
We used to hv expensive cars but relatively cheap fuel, so still bearable
lah. Now the cars are still expensive, and so is the fuel...
Our inflation is higher than that of other countries probably due to the
sudden reduction in subsidies.
lah. Now the cars are still expensive, and so is the fuel...
Our inflation is higher than that of other countries probably due to the
sudden reduction in subsidies.