ALABA+MA+LAYSIA
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2011 - 2014 Annual Expenses in Malaysia

Year
Eat-Out
Groceries
Transport
Pama
Phone
Insurance
Gifts
Shopping
Travel
Misc.
TOTAL
2011
RM2,266
RM105
RM594
RM7,400
RM114
RM2,658
RM750
RM1,285
RM3,713
RM1,513
RM20,417
2012
RM2,331
RM137
RM328
RM7,580
RM550
RM3,958
RM800
RM768
RM14,822
RM5,251
RM36,526
2013
RM3,364
RM261
RM1,176
RM7,400
RM600
RM3,558
RM1,704
RM1,862
RM4,329
RM24,019
RM48,273
2014
RM1,892
RM93
RM1,262
RM7,700
RM550
RM3,558
RM3,117
RM1,000
RM13,307
RM3,041
RM35,520

Converted from MYR to USD @ 0.33
Year
Eat-Out
Groceries
Transport
Pama
Phone
Insurance
Gifts
Shopping
Travel
Misc.
TOTAL
2011
$748
$35
$196
$2,442
$38
$877
$248
$424
$1,225
$499
$6,738
2012
$769
$45
$108
$2,501
$182
$1,306
$264
$254
$4,891
$1,773
$12,053
2013
$1,110
$86
$388
$2,442
$198
$1,174
$562
$614
$1,429
$7,926
$15,930
2014
$624
$31
$416
$2,541
$182
$1,174
$1,029
$330
$4,391
$1,004
$11,722

​Notes
General

​
No rent/mortgage expenses as I was staying at home (replaced with 'Pama' allowances)
No car loan as sis-in-law graciously let me use her 10-year old car when she got a new car.
Transportation cost was fairly low as my commute to work was only 4km (2.5miles).
2011
Travel - Hanoi & Shanghai
2012
Travel expenses spiked due to 3 separate trips to Shanghai (for Amazing Race), Japan, US, and Singapore.
2013
​

Misc and shopping expenses increased due to wedding expenses.
​Travel expenses for 3 personal trips to 
China, family trip to Borneo islands, and flight tickets for Australia.
2014
​

Gift expenses increased due to Chinese New Year angpow.
Travel expenses spiked due to honeymoon in 
Norway/Sweden, family trip to Australia, and Jeju cycling trip.


​2011 - 2014 Savings Rate

Year
After-tax Earnings (incl. bonus)
Total Expenses
Savings Rate
2011
RM 34,981
​($11,544)
RM 20,417
($6,738)
42% + 12%* = 54%
2012
RM 49,145
($16,218)
RM 36, 526
($12,053)
26% + 12%* = 38%
2012
RM 73,167
($24,145)
RM 48,273
($15,930)
34% +  12%* = 46%
2013
RM 90,955
​($30,015)
RM 35,520
($11,722)
61% + 12%* = 73%
*12% mandatory employer's contribution to Employee's Provident Fund (EPF)
2015 →
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  • Home
  • Explore
    • Africa >
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