Posted by: kamaruzamanomar | July 15, 2008

Why You Need Family Financial Planning

 
 
 
 
 
 
Can a family man with Salary

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?)

RM3,000 survive in MalaysiaLet’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…

EPF belum potong, income tax lagi……..oledi RM3,610 …

How to survive lah tuan-tuan dan puan-puan sekalian ???

Our Deputy Prime Minister asked 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 RM3,000/month!!!

What is this? Inilah Malaysia Boleh… Sorry … it should be Malaysians Boleh

, because we’re still alive and kicking!!

Our politicians must be mad!!!!

Please forward and comment boleh or tak boleh. No wonder so many Ah Loong around lah….

 

Call me at 019-2828 264  if you need help on the wealth palnning

 


Berminat nak JADI PELABUR atau AJEN UNIT TRUST ?
Call or sms me at 019-2828 264 ( Kamal )
e-mail : kbo2020@gmail.com


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