Why Our (My) Salary Isn't Enuff

Its a common topic that almost everybody will agreed with me. From top management until to despatch boy in the big organization will say that the salary given to them was not enough to support life. We always heard people mutter when before 1 or 2 weeks before next salary people will say "Bila gaji nak masuk eh?" or "Aku ade RM50 je sampai hujung bulan".

We always questioned, why this things happen. Is it because its really money isn't enough and you need to get another extra income from another channel (part time job or direct selling) or is it because we spend the money for something unnecessary or maybe because of we failed on money management.. (takkan nak ambik kursus kot or nak hire consultant.. sendiri makan pon tak cukup). I believe that 50% of lucky people out there will have a chance to get salary increament every year. But if you realize, gaji naik 10 kali pon, end up tak cukup jugak.

I was thinking last night about myself and also for my family. What make us face this problem at almost every month. I come realize that most of people including myself always plan ahead on what to buy on next income but never plan ahead on how much money that you can save on next salary. For the girls, maybe always we heard that "Dapat gaji nanti nak beli handbag/baju/kasut ni la..." and for the man most probably "Gaji next month aku nak tuka CD Player keter aku..".

My mom always says "Besar periuk besar la kerak nya.." I'm always admire when saw people driving 5 series car and go shopping with all super branded paper bag in hand. People always says that they are lucky people. But how lucky they are? Ye la rumput always hijau on the other side kan? We don't know those people pay all stuff using cash money or credit card. If they pay using cash money they are lucky man but of they pay using credit card, they nothing to compare with people like us.

Anyway, last night I'll try to figure out on how I can save my NET SALARY for next month. When I get the money deposited into my account, the money will goes to :

1. Mortgage - house loan, car loan, personal loan, credit card (pls sum up)
2. Bill utilities - electrical, water usage, phone bill, internet bill, astro bill (pls sum up)
3. Fixed exp - duit dapur, nursery
4. "Unrealized" exp - car petrol, tol, duit makan kat opis
5. *Misc - Cukai pintu, cukai tanah, car maintenance
6. Saving - Bank saving, insurance, family emergency/medical/spare money

So the simple calculation -

NET SALARY - (mortgage+bill utilities+fixed exp+unrealized exp+misc+saving) = Balance of salary.

So the balance usually will spend to family/personal entertaiment or can goes to household petty cash. Its up to us to choose. Kalau tak cukup duit untuk berfoya-foya (like beli handbag baru ke... ) either you save it kumpul for next month or you keep the money as household petty cash.