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#16
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Re: Just a thought.... my darkest days....
Thanks to all Bros for the encouragement!
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#17
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Anyway I woke up when I saw my debts rising and the first I did guess what.... Was I took out all the latest credit card bills and all the loans I have and put out the numbers on a spreadsheet. I starred at the numbers and made a estimation on my salary I know I am almost dead. I only have just nice to eat with a standard budget but no others. You imagine I went down to the point where I budget around $10 bucks max during working days and $20 for the weekend. For a huge eater like me whom always enjoy things like Starbucks coffee.... it was a hard time for me. I use to buy things on the fly, I see it I like it I will almost for sure get it. But I have to settle down to 'next time lah see how'. Worst part was I got a car and I cannot sell the car. Partly if I sell I know the whole family and friends will know my situation. And partly if I sell I got to pay the difference as my car back then was like less than 1 year. Quote:
But to totally cut off is not possible, I went down from 3 - 4 times a week to once a month and eventually I only go when I want to sometimes is like 2 - 3 months once. That is if I do find an FL that is really good or is and RTF which I am sure of the quality. KTVs still have but budget because if I keep rejecting my friends they will also know something is wrong with me. One thing I did which I was surprise I did was I NEVER EVER lapse on my family monthly contributions, my insurances and all my outstanding loans. I made sure I pay at least $50 to a $100 above the min. payable amount. Not much but still can do. I earn around $6k a month last time and even then I hard got any $$$ left at the end of the month that was how bad my situation was. Anyway I am now still owning some money to the bank but I can start to save a bit, go on holidays and I dun have banks calling me to pay up the money I own them. As for chionging, I still do now but it is really just for some small de-stress like once a month I will go for a pump and maybe a KTV sessions with my kahkis once every few months. Lucky my kahkis are not mostly married so no 'off-pass' also. My stand to MakingLove Bro is that no matter what, how little or something, save a bit of money every month, even $50 a month is not a bad idea. Put it into an account where it makes it very difficult to get the money, like cut the ATM card, lose the internet pin and all that All you can do is maybe use giro to transfer the funds to it. Or buy some insurance savings plans and do not lapse. Of course cut down on chiong lah... not totally but say cut to once a week first. Follow by like my standard now is at most once a month. It is not easy but you will feel better. Sorry all bros for the long post. |
#18
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Re: Just a thought.... my darkest days....
Thanks bro for your advice... i also think something is wrong with me.. must faster stop it.. if not i will really have no $$ left.. i just got into this and got addicted to it..first time having the ability to have sex with different girls easily is really addictive...
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