1. The average income for middle group in Malaysia is around RM 2500/month.
2. With a working spouse average income for a family is RM 5000/month.
3. This is the household income for a family with degree qualification.
4. For a house price ranging between RM 150K to 200K, monthly loan payment is RM 1000.
5. For a car ranging RM 50K, monthly loan payment is RM 450.
6. For a family with one small child, the cost for taking care is RM 600/month (food and diapers).
7. For a working family, babysitter will cost them RM 350/month.
8. To be able to purchase a cheap house, locality of the premise is outskirt KL. The cost of fuel at 50km away from KL is about RM 20/day. For 20 working days, this is RM400/month.
9. The cost of highway toll is RM 4/day one way. That is RM 8/day. For 20 working days, this gives RM 160/month.
10. Parking cost in KL area is about RM 6/day. For 20 working days, this gives RM 120/month.
11. Monthly groceries expenditure, for average family is RM 350.
12. Utilities bills for an average family is RM350/month.
13. Note this is only for a family with one small child.
14. Total income = RM 5000.00 / month
15. Total expenditure = RM 3300.00 / month
16. If the family has 4 children, 2 in secondary school, and 1 in primary school, and one baby, the expenditure will be 2 x RM 4/day + 1 x RM 3/day = RM 11 /day. For 20 school days, this gives RM 220 / month.
17. For school bus, for three children it will be RM 150 / month.
18 The grocery will increase to an extra RM 200/month.
19. This gives an extra RM 570/month.
20. For the parents, lunch is RM 5 x 2 = RM 10/day. That is RM 200/month.
21. RM 570 + RM 200 = RM 770/month extra.
22. Total expenditure for Family with 4 kids = RM 3300 + RM 770. = RM 4000/month.
23. This leaves a balance of RM 1000/month.
24. After considering tax distribution for one month, deductable of RM 150 / month.
25. Hence, net saving is RM 850 / month.
26. This is not including clothing or 'Maiden's' shopping.
27. And the government still thinks they have done well enough for the Rakyat.
28. They are lying to themselves and continue hurting the Rakyat.
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