Hi guys. I just wanna ask about how should i do to improve my current financial worries (sorry, i only can tag 1, i wish i can tag more flairs). Btw, i’m not good in english, so please bare with me.
I just turned to 40yo this year. Currently i do part time grab + part time stock trader with income around 3k-5k per month. Below is my current assets, liabilities and monthly spending budget
Assets:
ASB - 300k
EPF - 200k
Saving - 10k
Liability:
House loan - 270k
Spending:
Monthly loan payment - 1.5k
Water and eletric - 300
Family internet - 300 (include home and internet mobile data)
Transport - 500
Groceries - 600
Balance - 50% to my wife, 50% saving.
Tbh, i just tired on doing this part time jobs. So i was thinking of looking for jobs. I have degree in accounting. I used to work as an executive of one of sme company till i got vss during covid end of 2019. So for these years, i worked multiple jobs like grab for time being at that time. On year 2021, i drawn into trading stock and investment and become stock trader till today. Unfortunately, i just felt tired at some point, especially when you didn’t get to meet your monthly end commitments.
So i was thinking of looking for jobs, but from what i read and watch, employment is really bad, even for newly fresh graduate. And even i don’t think i will get iv after applying jobs based on my age and status.
My apology if my post here is a bit “mess up”, i dunno the correct word. Anyway, please help me.