Lament of a big spender

another lucky night where i can use my lappie.. must quickly blog before the problem appear again!! hahah..

i'll blog about the Langkawi trip another day.. i haven got the photos yet.. some with WS, some with YX, some with my sis.. will only blog it after i got the photos bah..

well, before i went to Langkawi, i went back home.. had some chat with my mom.. some things tat she said was kinda true and it really hit me hard!! she said i'm oledi 23 years old yet i'm still uncertain about my future.. so old le still spend money like water without thinking about the rainy days tat will come in the future.. if got money must think of how to use it wisely, savings and investment.. not just spend all!!!

kinda true.. whenever i have money i'll use it up by the end of the month.. seriously i dont have a saving.. (having a bank account dont consider as saving.. must have money inside then it is called saving).. if one day i need some cash urgently, i really dont know where to get it..

i must really set aside some money for rainy days.. from now onwards i must set aside a sum of money for saving and ONLY use it for emergency..

alright this is my aim.. maybe a little bit ambitious.. hahah..

1. have at least S$500 and above in my normal bank account (to avoid monthly deduction of S$2)
2. have another saving account that is for emergency use only and put approximately one third of all my income in it
3. when my emergency account reach S$2000, then i'll use some of my saving to do investment

for 3, still have to plan my future investment.. hopefully can be billionaire soon.. hahah.. *i'm dreaming*

well, i hope this entry will wake up others who is like me also.. =)