


have been procastinating alot recently. even i myself got pissed with myself. 21st bdae celebration is driving me crazy. mum and dad offered to sponsor the buffet. rejected the kind offer as i didnt want them to spend more money on me again. but then now, im stuck with the budget issue. and its pissing me off.
now i know the importance of financial planning. people, start thinking now. most of us are "morphing" into a stage where we are all going to be adults. after my degree i'll be out in the workforce. what i want to do? how much i want to save? at the age of when i can retire? what investments should i make? "its easier to spend money than to earn it back" with all the living expenses going up, ageing population and my bad spending habits, i can predict that i wont be able to survive for long. haiz. its depressing. lets live it aside.

got work later.