Hello
there, let’s skip all the nonsence and straight to the point. Welcome to my new
blog. My 100th blog I think. Every time life throw me lemon, I make
a new blog, to get over that lemon. Once the lemon passed, I forgot it again
and go on my life like usual. By usual means no writing, no place to vent because
yeah, I have no lemon. Then another lemon coming and as I forgot the previous
blog so I make another blog. The the cycle goes on and on. I’m bad at
documenting by the way and it affects all area of my life.
Cut
the crap.
The
blog title is today’s date, 1st of March 2023. What so special about
today? Today is the day I officially own a magic card; a credit card
(technically 2 credit cards cause I think it’s fashion.). Today is special because
today is a historic day. Starting today will define make or break me. Whether
in future days am I being a good or bad example. Will all my principles and
reasons to have credit cards still preserved? Will I not overspend? And forever
in debt. Or maybe it turns out better that I actually better than everyone
think that I am very financial literate?
No one knows.
I
plan to share all my spending here. What I buy, why, does it help to improve my
quality of life; in short it’s a HAUL! I will share my goal too. I plan to
straight pay right after use the credit card. That’s the plan. I am not
kidding. I will live below my mean. However, just for this month, I am buying
baju raya using credit card. Just because I am trying to utilize it and also
for the points. I am paying my phone bill and PTPTN bill using credit card as
well.
Key
point
1. Spend
only 30% of the credit card limit. RM1500 for me then.
2. Repeatedly
ask “Do I really need this?” when to purchase something
3. Declutter
your room and wardrobe and life very often to avoid buying same thing twice or
because you lose it somewhere and now you have very low money and too much eye
brow pencils because you buy one every time you misplace.
https://mint.intuit.com/blog/relationships-2/how-to-live-below-your-means-3887/#:~:text=Simply%20put%2C%20to%20live%20below,you're%20below%20your%20means.
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