ah well its all confusing now.

never mind let me put it simply.

my salary is about 1300usd a month. im getting full salary now since i am not studying, but once i start studying i get significant salary cut (like 30% kinda).

i am paying 355 usd for my house loan. car is debt free (i have an old 5 seater sedan).

thinking of buying a new 7 seater exora (locally made, ugly AF but reliable. wife hate it) but thats gonna put me on a 145 a month debt for the next 9 years. the wife said forget it, just bear with the 5 seater, considering i am going to get a salary cut again soon.