long time. life's been hectic for me such that im having less time for outings. i couldnt count enough using my fingers and toes how many outing plans ive rejected due to work, family, or gf. sighs.
past the 26 mark, and im now declaring myself in the late 20s. usually at this age in my impression people are well into the corporate world, making a name for themselves in their industry, earning a good 3 to 4k plus. and they are expected to be able to support their families, plan some trips, able to splurge on abit of luxury items and steal some days of high life. not sure if i have not met many of such people, or is it that im really out of touch with the society, or isit really the case that everyone are doing otherwise?
one thing im pretty sure: my spendings have gone up. tremendously. i havnt yet explored my balance sheets to find out where are my increases in my expenditure. but all i can say is that expenses really shot up like rockets ever since i was about to graduate. well i keep finding excuses for myself when those spikes in expenditure are concerned. excuses become a habit, and by then you no longer question yourself why are you spending that much; you just spend it.
gone were the days i spend less than 400 500 per month. i cant really blame it on the increase in prices of food and transport. i really saved a damn lot over the past years as a student, thanks to the concession. and topped with insinc (or now what we call travelsmartrewards), i was basically close to having free transport every month.
aand. i graduate. no more concession. no more allowance. more overseas trips. more outings (not at canteen b where you spend 3 dollars, but outside somewhere in town where you spend 30 dollars). need to give parents allowance. i cant really use insurance as an excuse since i have been paying it since long time ago.
how about buying? didn't i buy a lot of items in preparation for my next phase of life? like. wedding package, flight tickets, banquets, bto, bed, ... the main reason starts to take shape. if i were to still be single and attached, i wouldn't be spending money on these and hence i can still stick to less than 1k a month. throw these in, and i find myself struggling to pay off the costs of these items every month. at least 1 month per item. tada. there goes my savings.
got to earn more money then, i guess. but with so much time constraint i am not even sure if i can take up part times. let money work for you? yea sounds right, but not! no time to check market trends and my stocks end up crashing together with STI like icebergs melting and crashing into the waters. business? hahaha please. lets talk about it when i have time for meetings with my partners. tuition? well im really struggling now. given that im forgetting almost 90% of the syllabus. and i go there with a blank head. feeling skeptical about myself can.
so much worry. i should work towards a solution. hopefully discounts come and investment plans take off. need to sit down and do some serious financial planning for myself.