Over spent
I have to admit that I am bad at math and for that reason I am bad at savings. Everytime when I have extra I will still spend it off. Like this month, I over spent plus owing... every time at this moment I will have guilty conscious but after next month salary..."what happen ar"?
Well, starting this year it is gonna be difficult. My student's mom (my auntie) just called to inform that her daughter schedule is too tight for BM tuition (just started with std 4). so there lost my side income. actually that side income does help a lot. But I wont blame her also, she has the right.Blaming myself for not having a good plan. That's why in 2009, I must do smthg... well, put this a bet. By end of 2009 I must have at least min 1k !
you should do what eddie and i do... we have a budget in excel file where we list down all our different expenses... then divide the remaining money by two, then put some in savings... it helps to see where your money is going. plus, we always discuss before buying anything...
ReplyDeleteyup... i'm taking out 10^ of my payment... planning this way.. Must reach my target by end of the year!
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