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
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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)
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