Financial management is such a big headache. Im one of those people who have to pay bills from my rather small salary so I have no choice but to actually try to scrimp my way through life although if you take away my internet connection, I will probably just die. I actually don't find it enough to just scrimp but rather save money for future use and for emergencies as well which I have mentioned months before.
I actually have somehow successfully managed to save quite a bit of amount but it's still too early and nothing so major has come up so far that demand a lot of money though I do come close to that. Currently, Im in the midst of settling my town council conservancy charges which have accumulated to quite a lot and thankfully, I have spoken to one of the officers and they will retract back the summon they had given to my father. I still have to pay the charges though. I actually asked if I could pay by instalment and they said that I have to pay at least half first before they start the instalment plan. I will slowly settle the amount but meanwhile, I gotta watch my expenses which I admit is not easy because if you live in a country where the standard of living is rather high, it's not that easy to keep track.
So that is why I said I started saving months ago so that I will feel less guilty about spending as at least there is future income. My mini savings of $2 daily has been successful and believe it or not, I actually bought stuffs which in normal situation, I will just ponder endlessly with my 'to buy or not to buy' drama in my head coz I don't see the importance of it but it's just oh so pretty. Case in point. Make up products. Like come on, Im a girl and when I see pretty eye shadow colours, my eyes turn glittery.
Furthermore, my make up products look like they should have been tossed into the garbage bins years ago and if my skin is sensitive, I think it will induce red ugly blotches on it. So far, I got myself a new foundation powder with a brand new casing, new range of eye shadow colours in a set, a b.b. cream which is a new product that is meant to cover up your skin flaws and a blusher. I know it seems like a waste of money but I doubt it. WHY?!
Coz I bloody well saved up for them. Plus, being a scrooge, I didn't spend all that I have painstakingly saved up. I calculated that I will get an estimated amount of $60 per month based on my $2 daily savings and I will only spend half of it which is $30. So in other words, I still save with the balance of $30. Am I ascrooge genius or what?
If Im consistent, I may even save up to $100 and then it will be rolled back into my savings account but I don't want to be so caught up with that. I get a big headache doing repetitive and tedious mental calculations to make sure that I am on track with my savings.
I don't want to visit the ghosts of my past because they are not pleasant. I don't want to resort to borrowing/dishonesty/selling of beloved gadgets or all of the above. The future does not offer guarantee but I would like to know that at the very least, I have some financial backing.
Sure we make mistakes because we are all just human beings. But from the mistakes, we learn. At certain times, it's only a matter of mind over matter and we can actually avoid buying things that are wasteful because eventually we don't use them at all. As much as I hate to admit it, that happens to me too. So to prevent such mistakes, I normally anticipate what I want to get like maybe a blue coloured top because I only have one such colour in my entire wardrobe coz I seem to be buying quite a lot of cheery colours like pink and yellow. So it's something like this that prevent me from making unnecessary purchases even in the midst of sales.
But of course lah, if they slash the prices so much and then it's something I will definitely use, I will be a goondu or idiot if I don't get it. Either that or if they hardly hold such sales like the recent Charles and Keith warehouse sales, I will be even a bigger idiot if I don't get a pair of shoes from there where the prices were even slashed until 9 freaking bucks for a pair of new heels.
Currently, I have this plan to set up a new facebook account and then selling things that I have bought but they end up not being used. Actually, most of the time it's because I can't fit them be it a pair of heels or maybe a skirt. I think coz I was delusional at that point of purchase like I thought I was thin or I have small feet. Oh well.
I may not remember most of the amount that I have paid for these items but it's okay just as long as I get some moolah back. Probably, I will make use of this extended weekend to do something about it. Besides now it's the 1st of April which is the start of a new month so I should be more productive with my time compared to the first quarter of the year where I practically snoozed through.
Check back here for more update on whether I will eventually set up the account..haha. For now, let us all pray that one day, I will win a digital camera starting with the bloggers' symposium this Saturday which I had registered and successfully got a place to go for the talk and workshop.
I actually have somehow successfully managed to save quite a bit of amount but it's still too early and nothing so major has come up so far that demand a lot of money though I do come close to that. Currently, Im in the midst of settling my town council conservancy charges which have accumulated to quite a lot and thankfully, I have spoken to one of the officers and they will retract back the summon they had given to my father. I still have to pay the charges though. I actually asked if I could pay by instalment and they said that I have to pay at least half first before they start the instalment plan. I will slowly settle the amount but meanwhile, I gotta watch my expenses which I admit is not easy because if you live in a country where the standard of living is rather high, it's not that easy to keep track.
So that is why I said I started saving months ago so that I will feel less guilty about spending as at least there is future income. My mini savings of $2 daily has been successful and believe it or not, I actually bought stuffs which in normal situation, I will just ponder endlessly with my 'to buy or not to buy' drama in my head coz I don't see the importance of it but it's just oh so pretty. Case in point. Make up products. Like come on, Im a girl and when I see pretty eye shadow colours, my eyes turn glittery.
Furthermore, my make up products look like they should have been tossed into the garbage bins years ago and if my skin is sensitive, I think it will induce red ugly blotches on it. So far, I got myself a new foundation powder with a brand new casing, new range of eye shadow colours in a set, a b.b. cream which is a new product that is meant to cover up your skin flaws and a blusher. I know it seems like a waste of money but I doubt it. WHY?!
Coz I bloody well saved up for them. Plus, being a scrooge, I didn't spend all that I have painstakingly saved up. I calculated that I will get an estimated amount of $60 per month based on my $2 daily savings and I will only spend half of it which is $30. So in other words, I still save with the balance of $30. Am I a
If Im consistent, I may even save up to $100 and then it will be rolled back into my savings account but I don't want to be so caught up with that. I get a big headache doing repetitive and tedious mental calculations to make sure that I am on track with my savings.
I don't want to visit the ghosts of my past because they are not pleasant. I don't want to resort to borrowing/dishonesty/selling of beloved gadgets or all of the above. The future does not offer guarantee but I would like to know that at the very least, I have some financial backing.
Sure we make mistakes because we are all just human beings. But from the mistakes, we learn. At certain times, it's only a matter of mind over matter and we can actually avoid buying things that are wasteful because eventually we don't use them at all. As much as I hate to admit it, that happens to me too. So to prevent such mistakes, I normally anticipate what I want to get like maybe a blue coloured top because I only have one such colour in my entire wardrobe coz I seem to be buying quite a lot of cheery colours like pink and yellow. So it's something like this that prevent me from making unnecessary purchases even in the midst of sales.
But of course lah, if they slash the prices so much and then it's something I will definitely use, I will be a goondu or idiot if I don't get it. Either that or if they hardly hold such sales like the recent Charles and Keith warehouse sales, I will be even a bigger idiot if I don't get a pair of shoes from there where the prices were even slashed until 9 freaking bucks for a pair of new heels.
Currently, I have this plan to set up a new facebook account and then selling things that I have bought but they end up not being used. Actually, most of the time it's because I can't fit them be it a pair of heels or maybe a skirt. I think coz I was delusional at that point of purchase like I thought I was thin or I have small feet. Oh well.
I may not remember most of the amount that I have paid for these items but it's okay just as long as I get some moolah back. Probably, I will make use of this extended weekend to do something about it. Besides now it's the 1st of April which is the start of a new month so I should be more productive with my time compared to the first quarter of the year where I practically snoozed through.
Check back here for more update on whether I will eventually set up the account..haha. For now, let us all pray that one day, I will win a digital camera starting with the bloggers' symposium this Saturday which I had registered and successfully got a place to go for the talk and workshop.
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