One thing that is very worrying to me these days is that how to avoid myself from getting into debts. How to make sure that I will not be tempted to place myself into a difficult financial position? People, who do not know, would think that with my salary, I should have enough to spend and save if I use the money wisely. But… this is not the reality. The fact is that I have a few commitments that use up my salary.
I am guessing that people will advise me to spend minimal on every single thing. That means to spend a small amount for mobile phone charges, cable television charges, food, and fuel… That’s the necessities. Then, it also means not to spend a single cent on clothing and entertainment…and beauty. Impossible to achieve…what is the point of living if there is no enjoyment in life?
I think the more logical approach is to make yourself aware of what you are spending on. To make sure you know what that thing that drains your cash is and take control of your spending. Spend only in cash and never in credit card. Don’t spend money in advance because that money is not yours yet. In the case of emergency, make sure that you have someone reliable and generous to lend you money… best if this person is your parent.
Control yourself and spend within the limit.
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