yes i know i've been a spendthrift the past 2 mths since getting my pay, as well as having to pay for my annual supply of contacts, a carpet, new chair and a new HP. but this was too much to believe.
it was almost a damn 80% of my pay! and as of this mth i'm alr at ard 1.2k. damnit. i really need to wake up my idea and start saving for my future. the taxi rides need to stop. the random meals at nice places need to stop. the furniture and book buying need to stop. the coaching needs to stop for awhile too.
i'm not exactly broke but at this rate of savings accumulation i'm not gg to be financially safe anytime soon. and even the word safe is relative. i'm afraid.
my plan is to draw 1k at the start of every mth, then budget myself at $200 a week, the excess $200 being for emergency reasons and placed in a compartment in my drawer - which hopefully will have more than $200 after a few mths.
first i need to start TRYING to spend as little as possible, even to the extent of scrimping. just to get the hang of spending less $. you can do it liangwei. you have to. you must.
3 comments:
hahaha. im so sorry i influenced you to do up an excel sheet. haha. but its helpful. ive 60 cents left. you're richer than me!!
lols... saving up your lao po ben now?
dil: yay i'm richer than you! hehh.
peilee: haha yeah have to save up for my future le la.. the house, the car, the furniture and whatnot. think i need to start teaching tuition alr.
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