I love that more people are talking about their monthly budgets!

One of my favorite Malaysian PF (that’s personal finance in case you’re not familiar with the jargon), Mr Stingy aka Aaron Tang recently published an article where he outlined his monthly budget when he was earning RM3,500 a month in 2010. His article was inspired from this Pakdi.Net article written by a fresh graduate who said that his RM3,500 salary wasn’t enough!

I was earning RM3,500 until a few months ago (in communications/NGO line, that was considered a decent salary okay), so I would like to share my own monthly budget then.

FYI I enjoy tracking my expenses and I have data of every. single. transaction. For the sake of this article, I will be taking the average spending during 1 year period, October 2014-September 2015. This means that I will be dividing each category by 12.