Few days ago, I was sitting down quietly at my table, with a pen in my hand, I jotted down all my commitment expenses. Debit one side, credit on another. Credit is my salary... debit are my expenses, am I correct?
After a long list on the debit side, I realized I was left with only a few hundred ringgit for myself... sei moe? Commitments are getting "heavier", even with my pay rise, it does not have a benefit effect on me, in fact, more instalments to pay than ever. I want to cut down on the expenses such as these...
Astro? (but i want to watch badminton live)
Streamyx? (lagi cannot, Internet is my crazy passion)
Insurance policies for 3 persons (long term)
House instalment (long term)
Body Massage (committed for a year, crazy me!)
Petrol (300rm.. must cut down to 200rm, hopefully can!)
and the list goes on... electricity, tuition fees, telephone/handphone charges.....etc...
I came to a conclusion - I am a poor financial planner, lousy planner. I cannot afford to simply spend anymore, something which I have been doing. Spend first, suffer later.. gosh!
This year no more traveling plans... (KL, Penang can still consider :) but definitely no more overseas trips for now!
I repeat - I am a poor financial planner ... period!