2011 - 2014 Annual Expenses in Malaysia
Year |
Eat-Out |
Groceries |
Transport |
Pama |
Phone |
Insurance |
Gifts |
Shopping |
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 |
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 |
|
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 |
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)
