One is spoilt for choice when shopping at hypermarkets.
Some 66% of Malaysian households earn less than RM5,000 a month. How do these families cope? Four families earning between RM3,000 and RM5,000 share their smart spending tips.
SK Taman Megah clerk Roshanizar Ali, 41, and her Customs officer husband have five children aged between four and 12 years old and they take home a joint income of RM3,000.
They live in the Kelana Jaya Customs Department quarters and this has helped them save some money on housing rental. However, there is an allowance deduction on this, so it’s not free.
“My average household expenditure for groceries including non-perishables as well as fresh produce is about RM600.
“Out of this, I spend between RM300 and RM350 for dry goods and non-perishables such as sugar, flour, detergent and rice.
“As for fresh produce, my expenditure is RM150 for two weeks’ worth of food, bringing it to about RM300 per month,” said Roshanizar.
She said the first thing they do when they get their salaries is to keep aside between RM100 and RM300 per month for emergencies like illness in the family, or even tobalik kampung.
“Then I will pay off the car loan, any bank loans, the household utility bills, fuel, tuition fees for the children, babysitter fees and other bills like mobile phone bills.
“After doing the rounds at all the supermarkets and hypermarkets in the area, I have found that the cheapest place for me to buy dry goods and non-perishables is Speed Mart,” she said.
“At home, I prepare breakfast and lunch for my family in the mornings. I’m at work by 7.15am each morning and by the time I return home it’s about 6.15pm.
“My children also go to SK Taman Megah so they travel with me. My husband only returns about 8pm after his job as a customs officer in a factory.
“Before he returns I will cook dinner – I will usually cook rice in the mornings to save on time. For dinner, I will cook a vegetable dish and either a fish or chicken dish.
“I will never cook chicken and fish together. We only go out to eat about once a month, we can’t afford to do it more often than that.
“I do feel the pinch from the increase in the cost of fuel prices as I drive a car. But in order to save, my husband rides a motorcycle,” said Roshanizar.
Roshanizar’s budgeting tips are:
• Use your salary to pay for the necessities first such as loans and bills
• Share information of good buys with friends
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