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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)

Oh yeah!!! 2 holidays in less than 2 months, I must be crazy!!! Hahaha, but man, I love every single moment of it man!! Hong Kong and Macau and then followed by Taiwan and both was my first time there, COol man!!

Although, now I’m back to reality, and pocket also with a big big hole….. but I loved it hahaha!

LIfe should be like that, work hard play hard!!!

NOw is time to work hard!!! Is been really busy since I’m back in Singapore. Can you imaging, it was only last week Thursday, 12th march that I touched down back here at 1am, at 8am, I was in office preparing for a meeting. and then on the 13th and 14th March I was doing training at a local Secondary School. Next, 15th was a Sunday, and I was back in office too, as I need to be attend a briefing for the 16th and 17th March program!!

Then next was 18th March, Wednesday where things got slower, and by 19th Thursdaywhich is today, I was down… withpiles… OUCH!!! (guessed is body too heaty and lack of rest, anyway…..)

It really have been a mad rush, but don’t know why, I just feeling excited. I think the main reason could be for the first quarter of 2009, I did really have a great time and hence despite the mad rush, I still feeling excited and I want to have more interesting events for the rest of the year!!!

So I hoped you have a great first quarter of  2009 too, yar!!

Alright baby!! another S$500 down, S$6900 more to go. Yes, once again is time for me to repay my debt and yet again is a happy time to “spend” money, and in fact this 2 months of 2009, I had  been really spending and I’m totally happy with it. Ha ha ha!

For those who didn’t know, I had just came back from holiday!! For the past 6 days, I was with my parents and my eldest sis, the 4 of us took time off to visit Hong Kong and Macau. It was a great family bonding trip, although the family is not in full force, but still it was a trip well-spent. Hopefully, I can find time in the next few days to share my trip in this website.

Anyway back to the main topic, Yes, despite the Chinese  new year period and the Hong Kong and Macau holiday, I was still able to find the money to repay my debt. To make things even more interesting, My family went for a family photo shoot that cost me a bomb during the period and yet I still able to find the money to repay my debt. (P.S. I’m not a rich guy and remember the title of my post, I’m still in debts hahaha )

A lot of people are wondering how I did it, given my limited income, and some people are also questioning about my recently expenditure as they are well aware of my financial situation and my answer to them are three words, and they are PLANNING, TRUSTING and DISCIPLINE.  So just allow me to share with you why this 3 words had given me the money to pay for new year clothes, new year gathering, a family photo shoot and a holiday and yet still able to clear my debt. (p.s is just a sharing, all i know that the stuff i going to share had been working for me, ha) 

Firstly of course, I need a source of income, in my case, it comes from my full-time job. so with the salary coming every month, you first need to plan how to use it.

PLANNING->You need to plan what you need to do with the money, how much goes to saving, how much goes to returning of debt, how much goes to your daily/monthly expenses etc. You just got to know, no need to go down to the last single cents, all you need first an estimated figure so that you know where your money is going.

Secondly, TRUSTING-> for my case, is the trust that you can give others and gaining for yourself, I’m luckily enough to have friends to trust me that I will return the money to them, even when they know I have the spare cash to return them. Trusting myself, trusting my own plan and goals that my plan will work out. Allowing people around me and myself to trust that I will stick to my plan and my plan will lead me to a better situation than now. YOU just need to trust.

Lastly, DISCIPLINE, have the discipline to stick to my plans, have the discipline to say “YES” and “NO”, have the discipline to ensure that I will create actions that bring me nearer to my goal. YOU Just got to be Discipline.

Yup, that’s all and of course there are others value and factor that contribute to my life in the past few months, but having the above 3 in place, I’m sure it will aid me in one way or another.

So, even you don’t understand what am i writing about or you disagree with what I had mentioned, it really doesn’t affect me. and that because,  all I know the 3 words will yet again bring me to another holiday which will be TAIWAN in a week time and yet at the same time, I can still repay my debt.

(Total Amount Left to Clear: S$6900)