Budget update: November 2017


Without realizing it, I’ve skipped last month’s Budget update which, to be honest, I’m quite disappointed about. I’m still trying to instill the habit of posting these every month because it is something that I am not accustomed to doing. So without further ado, let’s get back right into it.

November was a busy month for me which means that I had to spend more. I had to pay for a number of wedding “saman”, having to take my other half to dinner at a fancy place for her birthday. I had to pay for accommodation in Rome for next year (Yes, I’m going to travel to Europe in May). And not forgetting I’ve also added to my already increasing fixed expenses by donating to WWF. This is why there is a significant increase of 32% in expenses compared to the month of August.

I have gotten 3 samans for November alone which got me thinking November is a popular date for weddings. I love it when we Malaysians use the word “saman” when you get a wedding invitation card. It never fails to amuse me because it is true. For one of the wedding, we had to travel to Ranau and stay there for 2 nights.

I am supposed to save some money too for my trip to Europe next year which I feel I am not doing really well so far. Food prepping came to a halt which I am not quite happy about. This could be due to lack of sheer determination for preparing food on a lazy Sunday. I am hoping that I get my food prep inspiration back somehow but in the meantime, I think I will enjoy my December holidays first. This is how a procrastinator works right?


I need to note that my fixed expenses are now 42% of what I earn in a month. 42 percent is still considered okay if you are following the 50/30/20 rule. But I would like that number to be as low as possible. My fixed expenses are my car loan, medical insurance, WWF donation, and Spotify subscription. I could have avoided donating to WWF entirely but my partner insisted that it is for the greater good to save our environment especially our rainforest. Well, we all know how that ended up.

Things to Look Forward to:

  • Looking into investing in Gold or Bitcoin. Seeing how bitcoin value is skyrocketing is very tempting to invest in.
  • Christmas gift exchange party with 3 different groups. One is with my school friends and the other is with my family and lastly is with my colleagues. It would cost money to spend on presents but it would be fun.
  • Traveling to Europe next May will be exciting. I always enjoy traveling but I never had the determination to do as much traveling as I want because I wanted to save more money for myself. Yes of course, traveling would put a dent in my savings but it would be worth to see and experience the other parts of the world.