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FIERCE!!!!!!! This month is the month that I used the most CASH since a long time, the last time I had such a big money output was in 2006 when I decided to pursue my degree at SIM. At that instance, I paid S$10K straight for my 1st year tuition fee. It was pure hard cold cash…. man.

For this month,it was pure hard cold cash again, however, it is slightly different as the money output were for varies purposes and reasons rather, and that includes, my holiday expenses for my FIRST-EVER trip to TAIWAN,  and before that, I had spent abit for my FIRST-EVER trip to HONGKONG & MACAU as well. Up next, I had also made a payment for my family FIRST-EVER FAMILY PROTRAIT, and I also started a monthly (S$2oo per month) investment account recently and of course the most important, today, I continue to repay my debt.

It was really amazing for me at least, that with a single source of limited income, I had managed to do so many things in this brand new year. To be honest, I’m really happy and surprised at how a simple income distribution formula and what commitment and discipline can to do me. Without the above mentioned, I really don’t think I will be able to have so many “FIRST” for me in this first quarter of the year.

Yes and of course, with all the cash output recently, my bank account is once again not in a healthy line but at the same time, it is at a ”OK” line that can allow me to survive, to pay my bills and of course to repay my debt, at least t can last till my next payday.  

Right now at this moment, despite the low numbers on my bank statement, I’m still a very happy man, and that’s because, by looking back for the past 3 months, I had created, gained and experience quite a lot of new things from the stuffs that I put money in. The value of what I had gained was definitely worth more than the cash I put in. Whats the point of keeping alot of money and not spending it? I will rather spend it and enjoy my life or even spend it to create special memories with the people I cared about.

However, before we can do that, we must also ensure that we must follow what almost all the financial advisor will always tell us to do, and that is to save a sum of money for the raining day, and to start saving money for future uses.

And of course, rest assured, I had did the above mentioned, and because of that, I’m able to enjoy my life, and started to be a happy man and it had also made me a man that’s is always looking forward to create more ”FIRST” with his future pure, hard, cold cash.

(Total Amount Left to Clear: S$5900)