A Malaysian housewife has captured the admiration of netizens with her exceptional financial management, proving that even on a modest monthly income of RM1,500, a family of five can live comfortably, save consistently, and enjoy life.
Her story, shared on Facebook, showcases the power of careful budgeting and frugal living.
RM1,335 to spend after EPF deductions
The housewife revealed that her husband’s take-home salary, after deductions for EPF and other commitments, amounts to RM1,335.
Despite this, their family manages to allocate every ringgit with precision. Rent for their People’s Housing Project (PPR) flat is set at RM124, while RM400 is spent on kitchen and household needs. Utilities cost RM70, and an internet plan is another RM70.
To ensure security, they subscribe to Takaful insurance for low-income families, costing RM20.40 monthly.
The children receive RM92 as pocket money, and both sets of parents are supported with RM100 each. The couple’s transportation expenses are limited to RM50 each for motorcycle fuel.
In addition to these fixed costs, the family plans separately for occasional expenses such as motorcycle insurance, road tax, repairs, and festive clothing.
Manage to save RM250 every month
Remarkably, these additional expenses do not interfere with their goal of saving RM250 every month.
The housewife attributed their financial success to practical and disciplined saving strategies.
She shared that her husband and children bring homemade meals every day, avoiding the high costs of eating out.
Additionally, their children benefit from the government’s Free Food Assistance Program (RMT), further reducing meal expenses.
Taking care of their baby adds to the challenge
Her frugality extends to caring for their baby, as she avoids the cost of disposable diapers by using washable cloth diapers.
To save on formula milk, she is committed to breastfeeding her child.
Despite facing challenges with insufficient breast milk, she worked on improving her health to sustain breastfeeding, demonstrating resilience and dedication to their financial plan.
Refrain from personal spending
A standout aspect of her approach is her minimal personal spending.
She noted that she refrains from using any family allowance for herself, explaining that her husband already sacrifices by minimizing his expenses.
My husband already sacrifices by bringing his lunchbox and only spending on motorcycle fuel. It wouldn’t be fair for me to take any allowance for myself. We both sacrifice together so our children can have a better life,” she explained.
Able to enjoy 2 local vacations every year
What astonishes many is that, despite their tight budget, the family still manages to enjoy two local vacations every year.
This achievement highlights the couple’s shared commitment to balancing practicality with life’s little joys.
The story of this resourceful housewife has gone viral, earning widespread praise. Many have expressed their admiration for her ingenuity and perseverance.
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