Money

It is not easy to talk about money but also in order to understand about money, we need to talk about it.

Personally I think I have made a few financial mistake and I think to justify my mistakes it 's because of a few things;

1) I never learned how to handle it earlier due to a family having nothing or little money to begin with.

2) When I started my work, my starting salary was a little bit on the low side and whatever I had then, there was no way I could save it for so long and not to withdraw it later.

After graduation I read a lot on financial management and I understood much then not to purchase big cars or rely on credit cards.

I think I was pretty much level headed about money. I was lucky because I didn't have study loan and all I needed to start with upon graduation was my bare hands to get on with my first step.

I too don't fancy flashy things like new gadgets aka cellular phone, laptop, camera, branded handbags, shoes and clothes. I really did have a pretty frugal life.

In fact, my need was so little, I never really thought about working in a big company to earn more money. But that's not necessarily good.

However, even with a modest way of living I found myself not that financially secure.

I made my first loan when I started working in a farm. It was a place my brother could not send me. That was how I purchased a small car and without a down payment I ended up having to pay for it for nine years. 

After much thought and it really was something I had to do I took a personal loan. The reason for this second loan was because I wanted to help my parents to build their house. It was then followed by debts for my wedding. My hubby and I shared the whole expenses. Just so you know, my husband also needed to pay a dowry for the bride/me and believe me it wasn't even that high but it did burdensome. 

But I think my biggest problem with money is not in buying big flashy things but in being a very impulsive shopper. It is not always because I need to buy things but because of emotional needs. Emptiness can create a bad habit. It's true. I need to overcome this. . .

And then again if you live in the city, your life is pretty much about spending money on daily basis. You have to pay for almost everything. 

The only thing you may able to scrape by a little is your food. Sadly if you are not thinking about health aspect, you will end up with fast food or junk food. 

Other things like house rent you can manage paying not much but you may have to sacrifice living uncomfortably by having to share it with a bunch of people. But not when you are married. You still need a comfortable place for your new family to flourish wonderfully. 

And I have not even started about hobbies which may or may not be helpful depending on which side you want to look at. On matter of satisfaction or fulfilling life needs for creative entertainment, it is good but on matter of saving money maybe in particular buying book, it is costly. I do love library but as I said before, for me going to the library for the time being actually cost me more than the car park fee. Maybe not. . .I shall review this statement. Huhu

There are other things that I want to leave undiscussed for today. Maybe I'll write more about it on a different day. 

For now let just start with being honest about it. It's a need but also a burden. How best to live with or without money? Let's find out together. ;)

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