Suraya's Monthly Budget Update

Budget Update: July 2022 – Fully moved :)

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Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month.

So how was your July? Was it good, bad or meh?

For me, July 2022 represents a new phase in my life – the ‘I deserve this’ phase. Let me elaborate.

All my life, I’ve gotten used to ‘making do’ with old and cheap items. I didn’t care if something looks ugly and is low quality, as long as it works. Quality and aesthetics are secondary to functionality and practicality.

But now, I care. Everything in our new house has to match, even if it is more expensive. I picked the pricier bed because the other one didn’t come in the colour I want. But not just the deco and furniture – oh no, I’ve stopped my partner from buying a freaking broom because it’s not white, black, beige or grey.

I don’t know how to feel about this lifestyle upgrade. On one hand, I freaking paid RM30k for renovation and interior design. So why waste that money by not putting in effort to maintain the aesthetics?

On the other hand, I don’t know, colour matching seems… frivolous? Like who am I trying to impress? Plus in the bigger scheme of things, it doesn’t matter. Shelter is a need, a pretty home is a want.

Still, I can’t deny how happy this whole process has made me.

It was also fun doing this project with my partner. I’m so grateful that he’s such a pleasant person to do the home renovation project with, so easy-going and dependable. I kind of miss having a shared project together.

I guess you can say I have post-renovation blues 🙂 Let’s get on to the budget part.

Budget Update: July 2022

In July 2022, I spent RM14,158.12. The top 3 top expenses were:

  • Donations & Gifts (RM5,716.04) – Korban contribution for 2 person, Dad’s dusun project, parents’ electric bill, contribution to family trip, tips
  • Home Reno + Deco (RM2,265.33) – Monthly EPP for renovation, hire contractors and cleaners
  • Utilities & Rent (RM1,766.74) – Half mortgage and all final pending bills for old place

Cumulatively, the top 3 expenses make up 71% of my total July 2022 expenses. (My belief is, if you want to save money, always trim from the top 3 expenses rather than cut out a few ringgits from other already-low expenses)

My Spending Breakdown in July 2022

Here’s what I spent on in the whole month of July 2022, in their respective categories and from highest to lowest amount:

Spending notes:

  • Changed ‘Utilities & Rent’ to ‘Utilities & Mortgage’ 🙂 I pay half of mortgage – it’s the same cost as my previous rent so no major changes to accommodation budget
  • High Groceries cost is due to me replenishing depleted groceries. Had the best time planning meals and shopping for groceries
  • High Pets cost is due to me stocking up up cat food and cat litter in bulk

Yay of the Month:

#1 – Fully moved!!

I have fully moved to new house!

Moving is no joke, there’s just so much to do. In July, we did all of these:

  • Hired movers to bring items to new place
  • Hired cleaners to fully clean old place
  • Bought furniture and appliances and arranged for them to be sent over
  • Assembled a bunch of IKEA furniture
  • Sold/donated where I could, but also threw out a bunch of stuff (probably thousands of RM worth..)
  • Hired contractors to install fire alarm, do minor drill work
  • Installed home wifi

All in all, it took 7 months of coordination and planning from getting the keys to move-in, but now it’s done, and I couldn’t be happier with how things turned out 🙂

#2 – Downgraded mobile plan

Will be saving RM68 monthly from now on yay 🙂

#3 – Rented a good parking spot (costs extra tho)

GOOD parking spots are limited in my area and unfortunately we were assigned a bad one. After about 2 weeks, I couldn’t take it anymore and searched for a more convenient spot to rent, and happily found one fairly quickly.

This will cost me an additional RM150 per month. Worth it for the time savings so it’s fine.

#4 – Family holiday

My MIL treated us to a wonderful resort holiday. It was so fun!

#5 – Appeared on..

#1 – Principal Retirement & Investment Conference 2022

Thanks Principal for having me! I learned about a new type of financial product – decumulation solution. Retirees concerned about finishing savings too fast can look into it.

#6 – Misc


  • None 🙁


  • The Gray Man
  • The Adam Project
  • Persuasion
  • Knives Act

Bought for myself:

  • Essential oil roll-on
  • Dress from oxwhite
  • Some makeup and beauty products – eyeshadow pencil, eyeliners, lip tints, hair oil, scalp treatment
  • Thrifted clothes from IG/plussizebundlemy

Nay of the Month:

#1 – Unnecessary repair work

Had a very frustrating, completely unnecessary repair work due to an accident that was no one’s fault (except perhaps the person who laid the pipes differently than diagram).

Originally ServisHero said the insurance won’t cover the damage, but I argued it wasn’t my fault (because it wasn’t!) and in the end they said can refund the cost of the repair.

#2 – Wasted money on clothes that didn’t fit

I bought jeans and a sports bra that didn’t fit, and had to be donated 🙁 Wasted ~RM80 just like that. Lesson for me to check sizing chart and tag properly.

Things to Look Forward to:

  • Family trip
  • Use all the condo facilities!

Well, that was my July 2022. How was yours? What’s your yay of the month, nay of the month, and something you’re looking forward to? Tell me in the comments section 🙂

To read about my past monthly budget update, click here. Graphs are taken from my expense-tracking app Money Lover (find out your budgeting style)

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  1. Be careful with “Diderot effect” when moving to a new house. I bought a lot of unnecessary stuff when i rent my first apartment just because the aprtment looks too empty.

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