Yeah... today is public holiday but i'm still have to work. Looking for extra money meaning extra income. Enough to cover for my leave since my leave has been completely use up. If i don't take leave, it can be converted to money....cash money. It can pay my debts.
It's very hard to slash my spending habit especially in new IT gadgets like Iphone 5(which i bought in Hong Kong and cost me about HKD 6850) but very unlucky i can find the same model in other shop only cost about HKD 5800..According to salesman, HK model is more expensive that US version. The reason is HK model can be used in other countries.
The good habit in spending in our salary should be like this( maybe different people different strategy)
1. Saving - 20%
2. Spending - bills, groceries, children about 30%
3. Credit card payment/house loan and car loan - 40%
4. Emergency - 10%
At the moment, my budget is very very tight.....so the percentage at this moment is like this
1. Saving - nil
2. Spending - 40%
3. Credit card - 50%
4. Emergency - 10 %
Very bad...so my plan is to change slowly to good budget habit. Maybe take me another 2 years....Haha..
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