Time to live simple
Before when we were earning less it seems we can always find ways to fit that small amount of earning to our budget. Now that we are earning more than before it seems the budget is always short. Because the more we earn the more we spend. The living lifestyle gradually changes aside from the expenses for commodities and education you have newer expenses like owning a car, getting new gadgets, appliances and developing new hobbies or sort. It’s a trade off you get convenience but at the cost of spending. All of these you need to maintain and sustain affects your overall budget. It’s not really how much you earn that is the main factor to produce more savings. It’s how much you save and what you do with your savings that will truly make the difference.
Just now I recently paid in full my credit card again almost $500 which kinda too much for just one month. That includes the new bed, groceries and two 0% plans. Those 0% on gadgets and appliances promo is truly a decoy if you don’t pay in full the monthly. If you use your card and you are still paying the 0%, if you only pay minimum you get financed charged for the whole 0% item not just the current monthly so now I always pay full. I still have 2 months left for the LCD TV appliance and 8 more months for the netbook I got for my wife.
Now zero debt again, I’m ready to start fresh and live simple to save more.
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