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2019: Opening for 2019

Opening write up for 2019


Its been like few months I didn't update anything inside my blog. I have busy with my works and my family. It seems like blogging is not my priority. hahahah..

I have listened to one sharing that, if u keep on saying with the things you are busy with. It means, it is not your priority. huhuhu.. Still, that is what people say lah.

Usually, every year, I will update my resolution achievement. But this year, I wouldn't update anything because, it seems like most of it in progress mode. It is not I have done nothing, just I didn't achieved it on time. This year, I need to refresh everything.

Like like year, my main aim is financial freedom. But to be more realistic, I need to target atlist I managed to clear one of my card. I didn't managed to.

Why?
I have this habit on, when my other card has reach it limit, and I was desperately need it to purchase my flight tickets. Well, sikit jer, swipe jer lah. Even though it is one time event. It has drag me to another few months to settle it as I keep on paying minimum charges to that card. Siapa suruh gatal and tak merancang betul2.

Then, I have using my bonus to add up extra to that card so I can settle it faster. Unfortunately, this year, I didn't get much on my bonus, and I need to start cutting cost and pray hard for my husband business and need to sacrifice few things which I might share next time (kalau aku ingat lah). Actually, it does help when I use my bonus to pay debt. Maybe also next time.

Done with that..
If you happened to be in the same boat as mine. One thing, don't give up. Don't be like me once upon a time. Last time, I became so frustrated on all the saving and I can't purchase what I want. I just started to don't care and spend more. The amount accumulated and it does not help at all.

What I do?
1. Refresh your mind, remind your intention and target.
2. List down all your debts again and this time I clearly want to see by the end of 2019 how much I have achieved.
3. Since I didn't get much on my bonus. I maintaining to pay on minimum because I need to save up cash to avoid using cards.
4. I need to avoid using my bonus also because I need to keep it as emergency fund.
5. Stop using that 1 particular card which I wanted to settle it.

It has been 3 months. The progress is quite good. I might not be able to settle it by this year. Atleast, I want the figure getting smaller.

Just pray for me and hoping I can update again on my progress.
For your information, yes I have been reading books on financial management. But sometimes, their case just didn't suit your situation and I just cant keep on reading to find the correct method.

Thanks 
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