Budgeting

I’ve never really come up with a budgeting plan and track down every little expenses until half a year ago. I have been forcing myself to record in spreadsheet each time I spend so that I keep track of where my money goes to. I spend on food and I want to know how much. I spend on petrol and I want to know how much. I started this way long ago but never had the consistency to keep it going. I’ll either be tracking for the first half of the month then I slowly die away. I’m pleased to say my January expenses track list is somewhat a complete one. It’s not that hard now to record the expenses. In fact, it’s slowly becoming a habit for me.

The reason why I’m dying to do this is because I find it harder to save. I think I was able to save more with the starting salary I had 5 years ago as compared to now even though my salary is higher than that of 5 years ago. So, you see…something is not right and I don’t like the feeling and thought of it. It could be that I spend more on little luxuries (monthly facial and so on) but if you ask me, monthly facial is no longer a luxury, it’s compulsory. As much as I would like to save a big chunk of my income, I wouldn’t want to live miserably either. Hence, BUDGETING!!

And so….while I kept track of the past monthly expenses spreadsheets, I never did anything to it until today. I compiled the data…and I’m thinking maybe I should show it in percentage or in a pie chart of the slices of different categories of expenses. What is necessary, what is not. What can be reduced. What I can do away with. What I should take note of and so on. Honestly, I don’t like the data I’m seeing now. The total expenses of some months is close to the total income, which actually means I don’t get to save much and I cannot allow myself to live like this anymore.

The only good thing about this is…it wakes me up. It opens my eyes to where my money goes to and I need to ask myself if I still want money to go away like that. I also seriously think that I need a side income, if what I want is more than just save but to save and have money to invest. This will be a learning process. If I have a clear overview of my spending habits then I guess I won’t feel overwhelmed and keep thinking why I’m always broke.

Gracie…towards financial freedom. Now, sleep!

Bunny

Hi Bunny,

I’ve not talk to you for a long time and hope you’re doing well above. This is a rabbit year and it reminds me of you.

This is a very different CNY for me in so many ways. I think and ponder a lot about things that are not happening yet but issues that will definitely happen in the future.

You may be laughing at me but I’m thinking of how and where I should celebrate CNY once I get married. I’m not quite sure if I’m ready of not celebrating CNY in sandakan when that day comes. I think it’s best I get someone from the same hometown so that I can be near home during CNY.

A guy confessed to me just the other day. It has been so long, Bunny. So long since someone tells me he likes me in person. I have to give him bunny points for having the courage to tell me in person. But the thing is I’m no longer the person I used to be. I think too much with my head now that my heart’s kinda cold. It’s because I used to think too much with my heart and got hurt pretty bad.

Anyway, I guess we’ll just remain as friends for now because I really don’t feel the same like he does.

Work wise, I still like what I’m doing but I think I can do with trying out something new. I hope this new, small project I’m trying my hands on will lead me to many more good things.

For the first time, I really really want to own a house. I don’t think it’ll be achievable now but I want to walk down that path. I will have to think of ways to grow my money. Whether or not I’m going to have a partner to share it with me, I really want to buy a house, make it mine and make it a home i’ve always wanted.

Above all, I’m grateful for whatever that has been bestowed over me. I may sound long-winded but I really think I should count my blessings and not take things for granted.

I’m going to carpool to work from tomorrow onwards, you can say it’s a part of being green, economical and I hope it’ll work out well.

Going to get myself ready for bed. I’ve also not been sleeping with any aircon since I came back. I think it’s not too bad.

Feeling a little hungry too. I’ve not eaten a full proper meal for the last 3 days. Tummy is still weak from food poisoning but I want to be well so that I can eat up this Chap Goh Meh.

Sarangheyo!

KK

What I think is the most boring CNY I’ve ever had is slightly turning for the better. I have been eating but not with a very good appetite. I’m seeing that I’m eating more now that I’m in Kota Kinabalu, with no horrible rain or too much sun. Mum said I looked stressed and tired until last night, she said I looked good.

I’m typing this from a very nice hotel room, clad in pyjamas and topping it off with a bathrobe. Alone and enjoying the peace. This is the first solitude moment I’ve had since the last 10 days. I enjoy moments like these.

Mum called me from Sandakan while I’m in KK, saying there’s lion dance performance at the basketball court in front of my house. Kills me. If I had known, I would have taken a later flight to KK. It’s weird they are having it on a week day afternoon! Oh well, I hope I can get to see some lion dance while I’m in KK.