Practice delayed gratification & max kan savings from first salary and you will never regret it. Sepanjang lepas grad until now, 1 thing i rasa sgt2 membantu is sinking fund. I buat since my first salary gaji 1800. Buat mcm ni, my cashflow tak pernah negative sbb duit for car maintenance, ins/roadtax, zakat, raya etc dah ada siap2 hasil sinking funds.