{"id":41511,"date":"2026-04-03T18:52:47","date_gmt":"2026-04-03T10:52:47","guid":{"rendered":"https:\/\/sgbuzz.com\/?p=41511"},"modified":"2026-04-03T18:52:47","modified_gmt":"2026-04-03T10:52:47","slug":"malaysian-earning-rm8000-a-month-moves-to-singapore-over-difficulty-saving","status":"publish","type":"post","link":"https:\/\/sgbuzz.com\/?p=41511","title":{"rendered":"Malaysian Earning RM8,000 A Month Moves To Singapore Over Difficulty Saving"},"content":{"rendered":"


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A Malaysian man earning RM8,000 a month has explained why he chose to work in Singapore, citing difficulty saving money in Malaysia as the main reason<\/h2>\n

In a Facebook post<\/a> on Sunday, 29 March, the 30-year-old man<\/strong> many questioned his move, given his relatively high<\/strong> local salary<\/strong>.<\/p>\n

“Don’t let that RM8,000 figure fool you,” he wrote, adding that after EPF, SOCSO, and income tax deductions, his take-home pay is closer to RM6,800.<\/p>\n

He shared that much of his income is spent on fixed monthly commitments,\u00a0outlining how quickly his salary is used up<\/strong>:
\u2022 Mortgage:<\/strong> RM2,100
\u2022 Car loan:<\/strong> RM500
\u2022 Medical card and life insurance:<\/strong> RM530
\u2022 Phone and home WiFi:<\/strong> about RM213
\u2022 Food, petrol, and daily essentials:<\/strong> RM1,500<\/p>\n

\"SAYS.com\"
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Image for illustaration only.<\/p>\n

Image via Utusan Malaysia<\/a><\/small><\/figcaption><\/figure>\n

After covering these expenses, he was left with roughly RM1,957 each month<\/h2>\n

Although it might seem he could save over RM23,000 annually, he said additional yearly expenses make that far from reality.<\/p>\n

These include:<\/strong>
\u2022 Medical and dental check-ups:<\/strong> around RM1,000
\u2022 Car insurance and road tax:<\/strong> RM1,800
\u2022 Car servicing and tyres:<\/strong> around RM1,500
\u2022 Festive spending and angpao:<\/strong> RM1,000
\u2022 Annual vacation:<\/strong> RM5,000 to RM10,000
\u2022 Online shopping: <\/strong>around RM3,000
\u2022 Property taxes: <\/strong>RM1,300<\/p>\n

After factoring in these costs, he said his actual yearly savings shrink to just around RM3,700<\/strong>.<\/p>\n

\"SAYS.com\"
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Image for illustration purposes only.<\/p>\n

Image via MCF<\/a><\/small><\/figcaption><\/figure>\n

In his post, the man admitted that his current income mainly sustains his lifestyle, with little room for meaningful savings<\/h2>\n

Whether he can save more, he added, largely depends on bonuses from his employer, typically equivalent to one to two months’ salary.<\/p>\n

He also pointed out that while managing as a single individual is feasible, the thought of starting a family is daunting.<\/p>\n

“With expenses like milk powder and diapers, how am I supposed to support a family with these savings?” he asked.<\/p>\n

He concluded that his move to Singapore was not driven by ambition or competitiveness, but by financial necessity.<\/p>\n

“It’s not about being overly competitive; it’s about reality leaving you with no other choice,” he said.<\/p>\n<\/div>\n