"Sufficient or otherwise, spend what is contained in the envelope. If there is excess from the salary, it can be kept aside as savings," he said.
On the rate of household debt in the country, Zulsaidi said it was still under control but the government needed to monitor the issue before it worsened.
Malaysian Muslim Consumers Association (PPIM) chief activist Datuk Nadzim Johan said everyone should play an important role, including the family institution, to educate society in spending money wisely.
"Despite the existence of reference centres such as AKPK, participation from the private sector needs to be expanded to help solve the problem.
"I hope the government and non-governmental organisations (NGOs) can provide a platform to society, such as guidance and advice, on the importance of managing expenses," he said.
Nadzim said the guidance was not only focused on the individual in debt problem but instead, could be accompanied by those who wanted to get advice on prudent financial management.
KNAZ HS NNA GR