Urgh. I just did some calculations (thanks, Microsoft Excel!) and I came to a conclusion that I will be debt-free by next year. Well, not entirely debt-free, but free of the worries that tag along with debt.

Even then, I have to be very, very, very frugal. And I can’t forget to pay my bills ever again. I’m that forgetful, it’s ridiculous. Sometimes the people from this certain bank calls, and they will scoff at me when I told them I forgot to settle this month’s bill. It might sound a bit far-fetched to you as how I could have forgotten, but it’s true!

So I made this list using MS Excel, and I should print it out and stick it on my wall, just so I won’t forget my financial obligations for every month.

I have also made a plan to keep my credit cards at home. I plan to ask my maid to hide it so I won’t sneak it out of the house to spend on a splurge. Trust me, people, if you haven’t got a credit card yet, DON’T GET ONE. I’m so peeved at how I can spend so much more than I can afford with a stupid credit card.

I have two, one of which I’m not using, but just paying off the stupid balance, so I’m going to terminate that one by the time I get the balance settled. Which, I’m going to say again, will be settled by next year. PHEW. And the other one, hopefully I’ll settle the balance soon enough, and if I have the courage, I’ll terminate that as well. I really hate credit cards.

I’m going to have to put in some money in my other inactive bank account for a rainy day as well.

So.. wish me luck! Hopefully I’ll get through this financial rut and be financially savvy! :)