Budget.How poor are we??

How many of us have done the budget every month, daily or yearly?? Maybe not many. The reason is our salary money will be finished in just few days after the salary day. So, nothing to write or chart in our budget.
Spending is normally more than our salary especially when you live in Malaysia. Everything is expensive and our purchasing power keeps reducing every year. Our salary is almost stagnant with annual inrement could be around RM100 - 200 per year. How to survive like this....

My monthly budget as below. Even my wife expenses also I have to put in my budget because i have to pay for it. Poor man..

1. House loan - around RM1200 -- small house and affordable price ( now settled with EPF money)
2. Car Loan - RM1550 - lucky buy with low interest ( almost settled)
3. Another car loan RM 1200 - another 5 years to suffer
4. Bill (TNB, Astro, Water, Unifi, HP prepaid) - RM1500
5. Credit cards - the most expensive one (RM10000)
6. Saving ----ZEROOOOO!!

See my budget...soo bad. Where can i get extra money?? Invest in stock...you need money.  If you don't know how to manage your stock, your money will be gone. 80% traders loss money in share market. Remember this!!!