Thursday, April 19, 2007

Subject: Can a family man with Salary RM3,000 survive in Malaysia

This is assuming where the father works and mother doesn’t. Imagine if both are working but still couldn’t earned enough.. haiyaaa,mcmana mau hidup laa…

Let ' s do some simple calculations here.

In Malaysia , the average family income is RM3,000 /month
(where father works, mother doesn ' t).

I understand there are many families whose monthly income does not reach RM3,000,
but, to make things simple, let ' s take RM3,000 as the figure. Ok lah, 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 bill: RM100 (No air-con, No home theatre, No water heater ... ok?)

- Phone bill ( Telekom): RM100
- Meals for a happy family: RM775
(3 meals on RM25/day, RM25 for 4 persons...?)

- Papa makan / teh-tarik during working hrs: RM155
(RM5/day, RM5 ... can eat what?)

- Car repayment: RM400 (A proton saga aeroback, 7 yrs repayment)

- Petrol (living in city, traffic-jam) : RM300 (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 yrs, retired still have to work to pay!)

- Tuition: RM80
(got that cheap meh? i don ' t think so)

- Older children pocket money @ school: RM20
(RM1/day, eat bread?)

- School fees: RM30
(enough ah?)

- School books and 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 McDonald,
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 EH! Shit! RM3,610 already...

How to survive ? Please comment


Anonymous said...

Good post! In my entreprenurial prgs for the past 2 decades, I had always impressed on the need for skill development in 2 major skills if nothing else: earning and investment skills.

Quality of Life is an on-going pursuit that cannot be resolved by a salary that does not even scale up rapidly enough to meet with the sharp increase in costs of living.

So if the average worker is pining for the Greater Forces to offer a solution, he must learn from history that it is a futile hope; for even if it comes, it won't be in his generation.

I strongly suggest that strapped wage earners consider a slight shift in perspective to take the risk to learn new options in better living.

Start with the idea of being a multiple-income earner based on skills that you can develop. Skills are the most portable income channels anyone can use to survive in the world. The more a skill is product-independent, the better. But if your skill needs the use of tools, no real problem there. Many have succeeded.

Once you have inventorized this within yourself, you want to make those skills grow by investing in yourself first. Invest in your own skill development to the Nth level. Make sure you are always getting better and better. But don't wat till you need to become an expert before you market yourself. The moment your skill is saleable, market yourself for the sheer fun of the enterprise. Have fun. Show yourself. Just make sure you are good and getting better all the time. When you become more recognised, your increased expertise will market itself and you eventually become some kind of authority in people's minds.

There is another way to get out of the 'salary security' illusion.

Learn up on what success other people you once knew as apparently less-than-you have achieved. See what they did and to try to duplicate that within safe terms until when you might be more prepared to take on greater risks for greater success.

I agree: RM3000 is just not enough! I had twice that at a young age, and that was not enough! And I don't even consider myself a spendthrift. I am also not a tightwad with my small family either.

I have an updated version of your list and I'd love to share it with you next time round. But this was a good post you did. Carry on!

Snapshots said...

This is the delima that most Malaysians are in, Excelent Blog, May I use it for my post as well.

How to make ends Meet, Well No Insurance then will bring it lower, but you forgot the, EPF, Sosco,

impian kasih said...

huhh...cannot survive ma..

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