Oh Yes! Once again, is the time of the month to reduce my debt. Another few hundreds had been return to my loaner a few days back. I’m really glad that I made the effort to return the money, if not I couldn’t image what I will do with the money.
As we all know, Chinese New Year is just round the corner and it is time to buy new clothes, new shoes, new wallet and even new underwear and for me, I do have a lot of things that I want to buy. So, for sure, if i delay the payment to my loaner, the few hundreds will come in handy, don’t you agreed?? (OF COURSE, YOU CAN”T AGREED!!)
Ha, guess what, that was what I told myself too, the angel and the devil were fighting in my head and of course, the angel won, for sure, I can’t agreed to that kind of thinking mentioned above. The reason is simple, I had made a commitment to pay my debt every month, returning minimum of S$500 every month. No way, I going to break that agreement, another reason is clearing my debt is one thing that I really want to do.
So despite the temptations of keeping the money, I managed to stay focus and do the RIGHT thing for myself which is to clear my debt. I’m so glad that I’m able to exhibit my self-control and forgone the things that I want to buy and because of that I’m now once again a happy man and once again I’m able to reduce my debt. Cheers! 
(Total Amount Left to Clear: S$7400)
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