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Can You Survive With Salary RM3,000 If You Have Family? [ March 16th, 2010 ] | 298 views | Leave a Comment

Do you think that you can survive with salary RM3,000 in Malaysia nowadays. Based on my personal survey, I noticed that in Malaysia, the average family income is RM3,000 per month. But, I do understand that there are still many families whose monthly income does not reach RM3,000.

monthly_salary

In order to make calculation simple, let’s take RM3,000 as the figure:

Electricity bill: RM40 (Assume no air-con, no water heater)

Water bill: RM10

Phone bill: RM100

Family meal: RM900 (3 meals on RM30/day)

Car repayment: RM450 (A Perodua Myvi, 5 years repayment)

Petrol fees: RM150-200

House repayment: RM550 (Assume living in low medium cost apartment)

Personal insurance: RM400 (combination of you and your wife)

Total monthly expenses: RM2,650

All the above calculation have not taken into account when you have own children. Besides, the EPF and income tax haven’t deducted. So, do you think family with salary RM3,000 enough to survive? Obviously, you will say cannot, am I right?

Say Goodbye to Digi Prepaid

Back to past 4 days, I signed up Digi Postpaid Optimum Plan which is sublined under my best friend’s account. With this kind of idea, I don’t get the benefits of 5000 points yield RM 140 rebate.( For Principal Line User Only) Once you accumulate the points till 6000 points , you will get total of RM280 rebate.

Every single ringgit you spent will earn 1 point. I think I will use about 3 years to collect 1000 points since I am not a heavy usage on phone calling. Averagely will spend approximately RM25-RM30 per month, so only RM300-RM360 annually. (US$95-US$115)
*Please take note, the points can be last for 3 years only, so you must redeem it within 3 years otherwise it will be forfeited.

Digi

Besides that, if you are using subline then your Monthly Access Fee only RM10, but if you use credit card payment for auto billing then your Monthly Access Fee is deducted RM 10. Hence, I have no chance to pay my access fees. I just pay the amount of my phone usage only. Haha…
*For your info, those principle line user need to pay RM20, if use auto billing method then only pay RM10 per month.