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Tuesday, August 22, 2017


Aug 22 2017 --- Where is MONEY?


lunar 7th mth liao ~ first year at new home ~ pray everything shun shun li li ping ping an an ~~ the recent days had set me thinking whether life is financially viable ... maybe its time to forgo some of the luxury that i cannot afford ...

where else can i cut my spending ... i try to smoke minimal ... i avoid meeting out with frens as far as possible ... i try to avoid joining restaurant lunches ... and it seems that beside the biggest sunken cost which is household and insurance and car and basic transport cost will set me back like 1.2k ... my own credit card spending are mostly necessities like when i buy stuff for home or uber/grab ... and extras for family usually come to 600 depending on what happens ... sometimes there is those adhoc family expenses like medical fees for mum ... insurance for aunt etc etc ... that like 1.8k a mth if i m lucky or at time hitting the 2 on some mths ~

that left me with like 1.5k or so a mth ~ so where does the $$ goes to since i m like facing a deficit monthly .... my food set me back ard maybe 400-500 although i try to limit myself to $10 a day but sometimes reality isnt ideal afterall with farewell ... retirement ... entertainment that i cannot push away ... so thats like $500 a mth ...  the next very BIG spending that i can identify is ... 4D hahahaha ~ think i spent like nearly $100 weekly so that set me back like almost nearly $400 a mth ~~ shall try to cut it by half  T_T ... cigs maybe $200 ... contribute to common household $500 ... ok ... maths dun seems logical liao hahaha ~ already $1600 ~~ not forgetting the massive debt that i have to try to repay ...

oh well ~ its time to get back to tracking my expenses ~ jiayou!!



KeL speaks @10:30 AM                                    _`天注定`_