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Friday, April 2, 2010

The Harsh Reality Living on Scholarship Allowances.

Salam to all,

Some people thought, "Wow!, you are so lucky to be able to live in a foreign country". But the harsh reality is, if we just solely depend on the scholarship allowances to survive, we are barely surviving. My hubby receives scholarship allowances from KPT (The Tertiary Education Ministry) and also from UPM (Universiti Putra Malaysia). I can't really do so much to help him for this 3 years as we have agreed that my primary job is taking care of our daughters. Though sometimes I did some odd jobs like translating, making raya cookies and babysitting one of our friend's kid.

Most of the other Malaysian Students who live here, they do have other sources of income. If the wife is studying, her husband works part time either at a cleaning company, shopping centre or a post company. And some of our female friends also have a part time job even though they are busy doing their phd.

I'm not complaining here but if you think it's so wonderful to be able to live in a foreign country, please think again. It's different if you have a steady job and you can apply for the citizenship which will allow you to receive certain benefits. But for us who depend on the scholarship allowances, we always need to be careful with our budget. Most of the time, my hubby needs to transfer some money from his bank account in Malaysia in order to meet the ends.

Right now, we have about 28 days to go before we go back to Malaysia and we are actually living on the last allowances payment. Two weeks before we go back, we have (again) transfer some more money from Malaysia.

So why is it so hard to live when we only depend on scholarship allowances? I reckon you can guess some of the reasons as they might be the same reasons why you just barely survive too with your salary. The reasons are:
  • the cost of living is getting higher each year. (though Hamilton is considered cheaper than Auckland)
  • 50% of the allowances is been used to pay the house rental as we pay $270 per week! cubalah darab sendiri kalau sebulan berapa. huhu
  • even if I do a part time job, I won't receive 100% from the salary as the income tax is so high here which is 20%-40%.
  • when we want to go and see other places in New Zealand, we have to really calculate the budget and that's why we haven't really go to many places around NZ. 
  • a high currency exchange rate that had cost us so much when we transfer our money from Malaysia.
My real intention here is to share from our own experiences on living in a foreign country because some of my ex-school mates, ex-office mates and some other friends always say that I'm lucky. Well, maybe I'm lucky in the sense that I got the chance to have the experiences but other than that there's nothing special.

13 comments:

Sharinginfoz said...

whatever it is, try to find the way to solve it....

E-mail Akan Pupus????

Sedap Ke Makan McD????

Daddy Zuki said...

Salam... maybe i just go to visit NZ for a while to experince the life in a foreign land. After reading your complaints, now I know Malaysia is better than other countries when it comes to the income tax.

temp. housewife said...

Cikgu Zuki, yup Msia is far better in many ways.

Sharinginfoz, we are trying to sell most of our things here before we go back so we have some extra money.

Ammi Sara said...

We lived at adelaide for about a year (then hubby had some troubles with his SV, so opted to continue locally-USM). yup! byk ups and down duk oversea..our rent was Aud280/week. school anak lg, even though adelaide was considered a sort of kampung but the cost of living was quite high.
Duk m'sia pun byk belanja coz byk dugaan makan luar, hehehe...

slmt pulang ke M'sia.so ur husband is a Dr now? Alhmdlh....

yatie chomeyl said...

good luck with ur garage sales

evision said...

Part time jobs

temp. housewife said...

Ti, garage sales belum buat tapi banyok jugok doh org2 beli bare.

Ammi Sara, betul duduk Msia pun banyak belanja tapi lebih baik bersusah2 di negara sendiri kan. hubby belum habis betul phd dia. balik Msia baru di anak write-up.

kakyong said...

adyani,

at least ada juga pengalaman menjejak kaki ke negara org..
sekurang2 hujan emas di negara orang, air batu campur di mesia juga yg sedap... haahaaa... ;)

fa10 said...

setuju... saya juga temp. housewife, suami yg belajar dan kami hidup dengan elaun kpt sepenuhnya. Cuma kami agak bernasib baik kerana elaun ke UK dinaikkan 90% pada tahun 2007. Boleh la jimat-jimat untuk melihat negara orang

ila@cantekmama said...

Betul kak,pada kitaorg yg x dpt peluang nk dok sane, mmgla rase org yg dpt g overseas tu bertuah giler..Sbb pk dpt jln2 kt negara org :)..Tp mmg respectla kt member2 & org2 yg berjaya sambung smpai PHD,sbb dulu nk abiskan degree pon payah(ni ckp2 org malas,jgn ikut..hehe)..

unlisted_one said...

Yeah, I know. It is tough to survive when we are studying overseas. My friend studied in Australia last time, and she told me she don't have time for a part time job, so need to save more on her scholarship.

temp. housewife said...

terima kasih atas komen2 anda semua. Sy sebenarnya tengah emo sbb ada je kwn2 yg selalu cakap mcm seronok sgt duduk kat oversea. tapi yelah mmg ada pros and contras.

ena said...

hubby ada steady job, good income pon, kami tamau la apply PR kak... hahaha

ku rendu mesia.. mesia.. mesiaa...

hahaahaha

**kak! nak kirim bli barang dari NZ buleh ka?? hahahaha