Monday, March 26, 2012

How much Salary we need living in Malaysia

Majority of Malaysians are known to earn about RM2,000 every month. Executives can earn up to RM4,000 every month. But is it really sufficient to survive living in Malaysia.

We just roughly count how much we need to spend every single month based on having a family of 2 kids.

Food = RM 5 per meal x 3 meals per day x 4 person x 30 days = RM1,800
Car = RM40,000 car in 9 years = RM520 
House = RM652
Petrol, Tol & Parking = RM250
Internet = RM50
Phone Bill = RM100 for two person
Insurance = RM600

Basic living expenses already reach RM3,972 and imagine if your wife is not working, even if you earn RM5,000 a month it wont be sufficient as you will only get RM4,400 after minusing EPF and balance of RM400 for remaining things like medical, savings, school fees, travelling, celebration, gift, contribution to parents, books and magazines, astro, clothes, and others. 

Forget about savings, how you gonna save to get another child? 

Perhaps you people shall consider getting married only at age of 35 when you have accumulated more moneys while you're single so that you can afford to raise a family. 

Cost of Having a Baby

I have few friends who are curious about how much i have to spend to have a baby.

Here I will briefly explain what are those monthly expenses like. I might missed out on some one-off payment products in case i forgotten.

I will categorized it by during pregnancy and after giving birth.

During Pregnancy

1. Monthly Checkup: RM75 per month for the first 7 months.
2. Biweekly Checkup: RM75 per two weeks for the final 2 months. 
Total: Approximately RM825 in total

Ps. You can choose cheaper alternatives by visiting the government hospital which is free but i have friends who have visited there, and they complained about not getting any scanning on the baby, they check your baby condition using hearing of the heart beats and size of your tummy measured by measuring tape. This is the reason why many people have been giving birth to physically or mentally disabled children.

Giving Birth

This cost will be depending on whether your wife prefer to give birth by C-section or natural birth. The cost is double for C-section for most of the hospitals. 

For my case, it was RM3,000 in total. But supposed to be RM2,400 for natural birth and another RM600 for additional surgery for some reason. 

Once your wife is back home, you will need to hire a confinement lady to take care of your baby and your wife for one month while she rest after going through birth giving process. Cost of confinement lady is at RM3,500 based on market price. Double for those who give birth during Chinese New Year (so remember to calculate nicely before giving birth! Haha).

While your wife is going through confinement period, she needs a lot of healthy foods to help her to regain her health quicker. Cost of these foods and medication is approximately RM1,500.

In total: During give birth can fetch up to RM7,500.

One-Off Baby Products (Estimation)

1. Baby Bed = RM300 (cheap ones)
2. Mattress = RM50
3. Pillows = RM100
4. Bed sheet = RM50
5. Tilam = RM100
6. Clothes = RM500 (including pyjamas)
7. Pacifiers = RM30
8. Milk Bottles = RM60
9. Bathing Needs = RM200 (Gel, powder, cream, shampoo, bath tub)
10. Handkerchief = RM60
11. Towel = RM20
12. Stroller = RM200 cheap ones, RM1000 for good ones, Mine is RM2,000.
13. Mum's Need = RM300 (like nursing pad and etc)
14. Car Seat = RM500

Total = RM2,000 - RM3,000

Monthly Expenses

1. Monthly Injection = RM250 (Free if government hospital) up to 3 years old
2. Pampers = RM100 per month
3. Milk Powder = RM250 (I give Enfalac A+), Normal milk powder probably cost around RM160 per month.
4. Medical Checkup = RM35 per visit depending on what sickness
5. Study Saving / Insurance = Optional RM150 per month

Monthly can cost up to RM700 - RM800 excluding any other purchases like toys, clothes and etc.

Total Spending

During Pregnancy = RM875
Giving Birth = RM7,500 (natural birth)
Baby Products = RM2,500
Total = RM10,875


Resigned!

Officially tendered the awkward (resignation) letter on the 12th March. Decided to move on to a better company for better career opportunity. No doubt that GCH Retail is a good company which is growing every year, however in terms of career wise it doesnt convince me at all. 

Probably due to the lack of opportunities in the work that i was assigned to. With so little work being given to me, most people will be pleased and glad to get such job. They call it Gaji Buta but you wont know how it feels like until you get such job. Somehow you will feel like under utilised and time passes really slow when you have nothing to do.

For my case, it is even worse as this company do not allow you to surf many websites, for instances, Facebook, Twitter, Youtube, and all Games website or even Forums. So imagine you have 8 hours everyday and you only have 1-2 hours of work to do. What you gonna do the remaining 6 hours? It is okay if it is just for few days but not months.

My next company will be at Auric Chun Yip. It is located somewhere nearby my current office. Better career opportunities (Finger crossed) and much higher pay compare to existing company. They are offering me almost 30% increase based on what im getting currently. And I couldnt say no as financially i have been struggling for the process of building a family. 

I hope my immediate superior will understand the reason im leaving. 

Tuesday, February 14, 2012

Baby Wallace



Ballet Dancing
Practising 'The Rock' Trademark - Raise Your Eye Brow!
Sarcastic Smile
Little Annoyed
Big Smile
Drumstick
How many more times you wanna take!

CNY Celebration with Wifey & Wallace

 New whole experience of celebrating Chinese New Year this year. Last year was just the both of us and spend our time as long as possible at anywhere we want. 
But this year couldnt do it because we brought Wallace everywhere we go.

He is never a burden though even we both know it is but we enjoy having around us.
His smile, his anger and his stubborness somehow cheer us up a lot.

First year of CNY after marriage meaning first year of not receiving ang pao from relatives and friends' parents. Instead we had to give 2 ang pao to each friend and relatives due to the tradition. 

Overall great CNY and will be looking forward next year where we will be having more freedom as Wallace will be able to walk by himself then.

Pretty Mummy and Baby Wallace (with the ang pao we gave him)
Sexy Daddy and Baby Wallace (he smiles more when i carry him XD)

Monday, January 9, 2012

Edo Ichi at First Subang Mall, SS15

Went for dinner with wifey at Edo Ichi Japanese Restaurant for the first time at First Subang Mall, SS15.

The environment is very relaxing, dark, quiet and wide tables definitely serve japanese food the best due to the number of plates most people will order.

I would rate this restaurant is must visit for the food and environment. The price is not that pricey too. Definitely worth a try.















Tuesday, January 3, 2012

Little Wallace Update

He is already 2 months and 20 days old up to today. Growing really well. Most people claim he is kinda fit for his age. Probably due to taking Enfalac A+ i believe.

Currently taken care by my parents at their shop and we will pick him up everyday after work. Guess he is safer and happier this way to spend his time with grand parents instead of baby sitter whom you never know what they will do to him.

Remember, never trust any outsider completely as they might just do anything to give them easier time. Even if i really need to pass Wallace to baby sitter, i will only let him to be with them during the day and not night as i heard baby sitters feed sleeping pill to baby in order to get them sleep for longer hours. 

Thats the reason i kept trying to get my parents to take care of him as i can see that they really love Wallace. He is superbly too adorable to not be loved! 

These are some pictures taken recently.










It is never easy to handle new born baby but i believe we will both make it by supporting each other.
Cant wait to see him start sitting by himself.