Money woes
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! 
07/16/2008 at 11:11PM
I do agree with you tina regarding credit cards.They are like ‘evils’.You can’t stop spending especially on unnecessary things!But credit card saves my brother’s life or else I won’t be seeing my brother walking normally ever again.Thanks to JPMC!
So Tina, spend wisely
07/18/2008 at 8:32AM
finally coming to her senses. Hamdulellah.
07/18/2008 at 10:19AM
Shim: You see, I don’t want to be depending on my credit card for any emergencies. I should have an account brimming with money to help me with my emergencies and state of helplessness. I can’t depend on credit cards like that. I need to be in control! Hahaha.
Qush:
You suck, but you know I still love you despite the fact.
07/18/2008 at 8:10PM
Yeah! Welcome to the frugal clan.
Perhaps for our next meeting we should go Mamih and get those $1 nasi katok instead of “ice”-”Capuccino”
HAHHAHHAHAHAHAA!!!
07/18/2008 at 10:03PM
HAHAHA. ICE! Hahahaha. I’m still very amused.
07/18/2008 at 10:10PM
Nonnie: I was actually waiting for you to leave a comment. Hahaha. I knew you are living on a tight budget, so I’m trying to do the same. Yes, I think I’ll just have to order cappuccino and ask for ice. Unless they charge for ice, then woe is me. HAHAHA!!
Atul: I am not sure if I should stop laughing or not, it’s so ridiculous! Can’t believe I forgot to post about it. LOL.
08/13/2008 at 8:07PM
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