Let Me Save The RM1,400 As Emergency Fund

Hubby’s full time teaching income has been increased from RM1,500 to almost RM2,000 after EFP and SOCSO deduction.

With hubby’s RM2,000 net income, together with my online income of RM2,500 (my income is between RM2,500 and RM3,000), I must say that I don’t have to worry much like I did last time when hubby didn’t have a fixed full time job.

After paying the AKPK debt repayments of mine and hubby’s RM680, auto instalment RM820, home loan instalment plus bank overdraft interest charge RM530, utility bills plus Internet connection and cell phone fees RM270, and food and grocery expenses RM800, there is still about RM1,400 left in hand to be save as emergency fund.

Of course, the amount of RM4,500 only started to appear on the 28th of October! Prior to that, hubby’s income was still RM1,500.

Though there should be RM1,400 left to be saved in the savings every month, we still haven’t got the chance to own the full amount of RM1,400 and save it in the account. Why?

Well, there had been a few unexpected expenses that sucked the extra money and personal savings away. Eye specialist fee, bifocals, vitamins, supplements, wedding gifts and funeral money gifts, …

Ask the Chinese Malaysians that you know, how many wedding dinners they have attended and how much they have spent on gifts and money gifts for wedding from the month of September till now?

And how many more wedding receptions and dinners they are going to attend and the estimation of wedding money gifts they are going to fork out this December?

Ask too if they have ever received two or three wedding invitations which are/were held on the same day?

These few months are peak season for wedding! Wedding is the bride and bridegroom’s business, why do they have to make the whole world busy and waste money?

I will never forget a wedding dinner that I attended Kuala Lumpur more than 10 years ago. It started at 9 p.m, two hours late!

I waited for two hours! I should say I wasted two hours waiting for the dinner to start. You know, it’s only a not-so-close colleague’s wedding.

Yes, from what I have written, I am sure you can figure that I hate attending wedding dinners. And also birthday parties.

I am now at the stage of life where I want to spend my time doing the stuff I like. I no longer want to use my time to do other people’s stuff or stuff that make others happy because I give them face but in the actual fact I hate it.

Of course, there are exceptions. I will still attend family members’ wedding dinners and birthday parties. I mean those who are really really close and those whom I like.

So, when do hubby and I really get the chance to own the amount of RM1,400 and save it as emergency fund in the saving account?

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