Plan.
Meor · 2026
Heads up — bulan semasa
ASB Snapshot · Sebelum Mei 2026
ASB baki (selepas upfront Mazda)RM 1,819.69
Upfront all-in Mazda 3− RM 25,900
ASB balance semasa (Mei actual)RM 3,419.69
ASB Financing loan+ RM 30,000
ASB total sebenarRM 33,419.69
Bulan by Bulan · Mei – Dis 2026
🛡️ Optional Buffer · Disember 2026
🕌 Tabung Haji (est. Dis)RM 2,375.00
Max boleh withdraw (kekal RM 1,300)~ RM 1,075
⚡ KWSP Akaun 3 (est. Dis)RM 1,568.00
Total Optional Buffer RM 2,643.00
Guna bila perlu je · TH top-up balik RM 15,000 menjelang mid-2028
PETRONAS Visa Gold (Ikhwan)Active
8% cashback petrol · Cap RM50/bulan · Guna untuk minyak sahaja
AMEX Platinum-i (Ikhwan)Applied Mei/Jun
8% cashback online · Cap RM100/bulan · Shift semua online spending ke sini lepas approved
CIMB 0% Easy PayApply Jul/Sep
0% installment · Untuk wedding vendor payments · Jangan apply awal sangat
✅Bayar penuh every month — kalau tak, interest makan semua cashback.
📈Max cashback boleh earn: RM 150/bulan (petrol RM50 + online RM100) — RM 1,800/tahun.
Summary · Disember 2026
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Mengira...
Saving Freed · Milestones
Instalments · Short-term
🛡️ BJAK Insurance 4 bulan lagi
Instalment
Monthly
RM 111.18
Outstanding RM 444.72
2 / 6 bulan 33%
Bulan lagi
4
Habis
Sep 2026
Saving freed
+RM 111
Last payment Sep 2026 — saving naik RM 111/bulan dari Oktober.
📱 Galaxy S25 8 bulan lagi
Instalment
Monthly
RM 144.67
Outstanding RM 1,157.36
16 / 24 bulan 67%
Bulan lagi
8
Habis
Feb 2027
Saving freed
+RM 145
🛍️ SPayLater 14 bulan lagi
Instalment
Monthly
RM 244.92→158.66
Outstanding RM 2,393.80
Fasa 1 · Aktif
RM 244.92
Jun – Jul 2026
Fasa 2
RM 158.66
Ogo 2026 – Jul 2027
Progress bayar —
Bulan lagi
14
Habis
Jul 2027
Turun Ogo
-RM 86
Fasa 1 rate RM 244.92 (Jun–Jul), turun ke RM 158.66 dari Ogos — saving naik RM 86/bulan.
Loans · Long-term
🏎️ Mazda 3 1.5L 2035
Hire Purchase
Monthly
RM 1,195.00
Outstanding RM 129,060.00
First payment · Jul 2026 0 / 108 bulan
Monthly
RM 1,195.00
Habis
Jun 2035
Loan
RM 108,383.55
Loan RM 108,383.55 · 108 bulan · total payable RM 129,060.00 (profit ~RM 20,676). Habis Jun 2035.
🏍️ Ninja 250 AMV6540 2029
Hire Purchase
Monthly
RM 290.00
Outstanding TBD
Progress · habis 2029 —
Monthly
RM 290.00
Habis
2029
Details
TBD
Update pending — exact bulan habis dan loan details untuk outstanding balance yang tepat.
Sinking Funds
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Checklist bulan ini
Heads Up
ASB start 2027
RM —
Dividen ASB est.
+ ~RM —
Scenarios — Hujung 2027
Konservatif (gaji sama)
RM 57,985
Moderate (gaji +5%)
RM 62,134
Optimis (gaji +10%)
RM 66,282
Dengan increment +RM300 (unconfirmed)
RM —
Komitmen Changes 2027
Galaxy S25 habis
Feb 2027
SPayLater turun RM244→RM158
Ogo 2026
SPayLater habis
Jul 2027
BJAK renew
Okt 2027
Ninja 250 habis
2029
Mazda 3 habis
Jun 2035
Notes 2027
🏠Possibly pindah KL — sewa kena budget semula
💍Post-wedding — isteri separate income/komitmen
📈Target rebuild ASB aggressively — bonus 2027 expected
🚗Konig Hypergram rims boleh consider post-wedding
Saved! ✓