When I was in uni 20 years ago, I got RM500 monthly allowance from my parents. And I was a JPA scholar with RM6k/semester. What did I do? I signed up for ASBF for 50k and roll the money. I had a daily, weekly & monthly itemized budget that I wrote down in my notebook. I walked to and from the faculty as a form of exercise. After graduation 👇🏼