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Crisis
Recently i am on severve low budget for the month of Dec. I have over-spent on several items which i did not regret (Disclaimer) last month.
Today i checked my acc balance and realised i am left with lesser than expected. It is off my expected range by around 300-400 dollars. Meaning, i can't afford to spend on anything except food, and transport.
Yet this holiday season would be pretty eventful for me. I have plans to meet up with friends more often and do much more. I guess, i have to shove my plans to next month or months after i recover from the financial crisis.
Right now, i intend to pump in & use my Hong Bao money from Yr 2008 for my meal this month. This is why i like collecting Hong Bao, those money do come in handy. (XY, i know you don't like collecting, please donate all to me. She can never understand my mentality.)
Roy is a lucky guy, as i promised him a dinner at Liang Court for Udon. He would be the last friend i would meet up for an expensive dinner in this month.
So Xy, no more resturant or expensive food court. I shall hide in your house or my house for meals. *Grins*
For those (Xy or Friends) who think i am joking with the kind of crisis i am in right now... It's real. I can no longer spend on extra if i am to stay afloat.
Recently i am on severve low budget for the month of Dec. I have over-spent on several items which i did not regret (Disclaimer) last month.
Today i checked my acc balance and realised i am left with lesser than expected. It is off my expected range by around 300-400 dollars. Meaning, i can't afford to spend on anything except food, and transport.
Yet this holiday season would be pretty eventful for me. I have plans to meet up with friends more often and do much more. I guess, i have to shove my plans to next month or months after i recover from the financial crisis.
Right now, i intend to pump in & use my Hong Bao money from Yr 2008 for my meal this month. This is why i like collecting Hong Bao, those money do come in handy. (XY, i know you don't like collecting, please donate all to me. She can never understand my mentality.)
Roy is a lucky guy, as i promised him a dinner at Liang Court for Udon. He would be the last friend i would meet up for an expensive dinner in this month.
So Xy, no more resturant or expensive food court. I shall hide in your house or my house for meals. *Grins*
For those (Xy or Friends) who think i am joking with the kind of crisis i am in right now... It's real. I can no longer spend on extra if i am to stay afloat.
(I realised i am in debt. I owe XY some amount, thanks to her reminder. I am in much worst state. I feel like being in US current situation)
Will look at all my expenditure and find ways to "cut cost".
Issues and payment that made things worst
- Singtel Bill (Sudden increase in amount, have to call them and ask)
- Insurance
- EOY (Maybe forgo-ing)
- Christmas gift (Should be making e-greeting or sms greeting instead)
I feel so dead now...
Will look at all my expenditure and find ways to "cut cost".
Issues and payment that made things worst
- Singtel Bill (Sudden increase in amount, have to call them and ask)
- Insurance
- EOY (Maybe forgo-ing)
- Christmas gift (Should be making e-greeting or sms greeting instead)
I feel so dead now...
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