So due to unavoidable circumstances (pay cut + I enrolled in a course; a decision I agonised over for long time before finally taking the plunge lol), I officially have RM1,000 left to spend in the month of October. For the benefit of my foreign readers (if I have any), that’s about USD250.
This is after deducting the usual necessities I spend on each month:
- RM1,000 – Savings, which I do not touch. Ever. Unless it’s for emergencies or large purchases.
- RM600 – ‘Rent’ aka allowance to parents.
- RM120 – Phone/internet bill, for the Mom and I.
- RM80 – Internet bill (home).
- RM200 – Unit trust fund investment, deducted monthly.
…. okay, so I guess that was kind of a clickbait-y title. 😛
I obviously can’t survive on RM1,000 if we factored in all of the above. But one grand should be plenty for transportation and food, right?
I spend a huge chunk of my salary on the noms. Yes, I know. It’s a problem. I don’t need a RM30 ramen lunch at Menya Shishido when I can just as well eat RM6 zhap fan – I just want it. But as the end of the year draws close (and I get to find out very soon if I’ll be keeping my job), this is the perfect time to train myself to stop spending so goddamn much on eating lol. It’ll be good for the waistline, and for the pocket. I don’t spend on anything else really – shoes and clothes are all items I buy like, once a year. Last month I splurged on a Vans bag which cost RM180 – and even then I was hemming and hawing as to whether I should buy it (my last bag was literally in tatters) so that’s not an issue. It’s just… food dangnabbit.
Since our office tenancy is expiring soon and we have the green light from higher up for a WFH arrangement, I think I’ll be able to save a little on transportation; ie spend less on fuel and toll. I might go to the office once or twice a week, since my neighbour’s construction is still ongoing and the noise drives me rabid. But yeah. I think it would be a good idea to make weekly posts to keep myself accountable on my spending – and we’ll see by the end of this ‘challenge’ whether we’ve managed to keep to the budget.
PS: I am fully aware that there are plenty of families out there who have to survive on an income below RM1,000, including Malaysia’s urban poor. This post is not meant to mock or complain – if anything, this is a good personal reminder on the importance and value of money. I know that I am more privileged than most, and me cutting back on a coffee or two / dining out less is nothing compared to a single mother worrying about providing milk powder for her baby (did you know that milk powder is the no.1 most stolen items in local hypermarkets? Source: I used to work at a hypermarket when I was a teen)
PS2: The weekly updates will be on Patreon. You can subscribe here. I haven’t had the time to give my Patreon some lovin’ – things have been crazy at work, and I’m also trying to squeeze in some time to get into the course I just enrolled in. Follow me on other social media channels on Facebook, Instagram and Twitter. Your support would mean the world to me! 🙂