Now, our parents paid a bit, but the rest we paid ourselves. There is nothing worse than being in debt. I am only glad that we aren’t like the people in Oprah’s debt diet, tens of thousands in debt.

If you are in debt, try buying real estate and using a mortgage creditline to consolidate your debts. Right now, I only have one Visa card left. I don’t buy anything anymore on credit. Only with my debit card.

I was talking about this with one of my friends, it seems that we just live to pay our bills. And it is frustrating and draining.

Uy people around here don’t carry cash in bulk, syempre if they don’t use credit card, the Platinum EPS member card ang ilalabas nila - swipe, punch the pin number and voila! I think 7-11 na lang ata ang walang EPS swiping payment eh.

I would be totally embarassed! I don’t bring my CC most of the time when I go shopping. I pay in cash para safe lagi

I’m going to cut down my smoking, I’m sure. 10 days more to go.

…the billing date arrives too early for my pay day before.”

Hmmm… that is a problem isn’t it? Especially when there is currently no buffer to fall back on in case your salary comes in late. Plus pretty high cost of living isn’ it? Do you have to send some money back home or is it solely for your own use?

Food is usually the #1 expense. Well, at least for me anyway. Maybe it’s time to live on rice and soup for one month and see how it goes.

For credit card payment, it doesn’t make sense to me. Since I rely only with my income to pay these payments off, sometimes the billing date arrives too early for my pay day before. And if I missed that final date, I will have to pay the late charge and will recieved phone calls from collecting agency reminding you to pay these stupid credit card.

Having all these budgeting is getting into my nerves. I often asked, where does my money goes? A CD there. A weekend away. Dinner on Thursday. My money easily diisappearing in a blink. But what I do is to collect the receipt and add it up in a week and see how I am going to budget it the next month. I spend as I normally would but sometimes buying a cat food is more expensive than buying my own food because I need to budget every cents. Do you think I get rid of the cat to avoid buying him those expensive fish cat food?

I need a calculator now!

It’s like resist the urge, or take the card but don’t carry it with you every day. Pero, teka hirap atang iwanan sa bahay. Haha.

Have you ever encountered yourself in a grocery store and when they swipe your card, there was a message that says “declined” and you had this acute embarrassment in fear that the tender would give a “YOU BETTER PAY IN CASH” face? It happened to me at the Armani shop. I didn’t really thought that my credit card has exceeded its limit so I had no choice but to make a RED face exit with a silly excuse, “You know what, can you hold it for me, I need to check the bank first..”.

Imagine that?

I thought I can save much on electric bills without having a washing machine in my flat. I would spend at least thousand more pesos for my laundry twice a month. I think the A/C is taking up much power supply during this time of the year, ang init kaya, kahit electric fan lang, ganun pa rin. Buti kamo I don’t use public transport, nakatipid ako masyado since, 5 mins walk lang naman to work. I think I need to disconnect my land line since I never really use it. Cellphone + Land line, do you really need them both? Pero, kailangan dahil sa internet, yung cellphone, eh papano na yung ka text ko?