(54) 将薪比薪

很多人在换工作的时候会用入息（底薪＋加花红）来直接比较。如果工作地点是同一个地方的话(不需要搬迁), 这样比较大略还可以。可是当工作地点是在不同国家的话，尤其是JB vs. Singapore, Malaysia vs. Middle East 的话。那么就应该计算 net cash balance （ＮＣＢ）来做比较了。因为这个才是你每个月看得的现钱，或者的净存款。

NCB = Total Income - Total Fixed Expenses - Variable Expenses - Deduction

Ｔｏｔａｌ　Ｉｎｃｏｍｅ：
Basic
Housing　Ａｌｌｏｗａｎｃｅ
Transport　Ａｌｌｌｏｗａｎｃｅ
Special Allowance
Bonus/commission
Contractual bonus
EPF by employer

Total Fixed Expenses: it will not change whether present or in future job.
Installment (house/car)
Family contribution
Family expenses (rental/utility/phone bill)
Insurance

Variable Expenses:
Rental
Transport
Food
Utility / Internet / Phone
Insurance
Vacation - visit back home frequently

Deduction:
Tax
Donation

So you need to calculate both Present & Future for the item above.
Then the actual increment in your Net Cash Balance is more meaningful compare to the gross income.

For the example below, may see the increment based on gross income is about 351%, but after you calculate the NCB, the actual cash you may save in each month is about 556%

(*) - use monthly average
(#) - use monthly average / estimate how many trips per year and distribute evenly in month