I was sooo astonished yesterday when i realised that after paying all my monthly bills, i am left with less than $400 for food for the rest of the month! *FAINT*
So i swear to myself that i shall allocate only $10 of spending a day which is to cover for Bfast, Lunch, Dinner. Meaning to say that if mummy doesn't pack Bfast for me or cook dinner, i shall starve. BUT if i managed to spend less on one day, i can bring forward the balance to the next day to have a bigger lunch or even shop for Tufeil. And me. *BEAM*
And i'm proud to say that i only spent $3 yesterday on lunch ($1 Indian Karipap + 3 for $2 pastries). Looks like its Amoy St for me for the next 4 weeks.
Now, what exactly did i spend my money on????
- Mummy = $***
- Starhub Mobile = $72
- AIA Ins (mine)= $57.26
- Prudential (Mine)= $93.95
- Manulife (Tufeil's)= $100
- TCC Edu Loan = $211
- Citibank = $200
- Diners = $100
- Standchart = $150
Ahhhhhh That's it. Standchart is where I OVERSPENT. Hmm i paid in FULL when its not even DUE yet. cos i dont wanna pay no interest. So there's some virtue in that. hahahahaha Anyway i spent it on my mum so that's well-intentioned and totally forgiveable if not commendable. Right? Please, i'm trying to justify my shopping.
What to do next, to curb my spending?
- Call Citibank to waive annual fee
- Call UOB to waive late payment charges amounting to $160. (I TOTALLY FORGOT about this CashPlus account bcos its NOT a Credit card)
- Cancel my plan for a NEW phone. Guess i hafta live with typo ERRORS. and that means YOU hafta decipher my text / msn messages yourselves!
- I NEED TO COLLECT $90 from a certain jerk! If you're reading this: PAY UP OR ELSE I SHALL GET YOU EVICTED! (Look up what that means, SOB) I'm TOTALLY DONE BEING NICE TO YOU.
There's a big disadvantage that my variable bonus falls on April each year. It used to be July and it'd be cun cun (nicely paced) 6 months after the last bonus. Now between April - Dec, there's no EXTRA funds coming in...
OH! But thank god for GST money! Unfortunately or fortunately, that's already allocated for Batam Day!
Really, i didn't use to be such a spendthrift! What happened to me???
2 glasses of Juice:
Jules, can they waived late payments??
According to the UOB personnel, they are only able to waive 2 late payment charges on your account. But you need to make a min payment first and then call in to request for it. You don't even hafta get thru to a live person, there's an automated option on the phone, they will ask for your account no and i think handphone.
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