MONEY!!!

So many times this question crossed my minds. Almost every time when I am about to take out money from my purse. I wonder if is there have a day passed by my life without me having spent a single cent? Hell no!!!

I try to teach myself how to control my bad spending habits. I will motivate myself to start changing the spending habits into saving habits. Or maybe I can change it into some smart spending habits in order for me to be financially healthy. At the end of the day, I am still can't find the best way to control my spending habits?

My "ALONG" always said spend according to your budget. Can I? I means, I do knows that I am not from some rich family background. My family is in the moderate level. And yes, we happy to live that way.

There is a Malay proverb that says "ukur baju di badan sendiri". That means we should measure our clothes on our very own shoulders? Or what? This is the equivalent of saying that we should spend according to our budget. Fool lar Azie!!

Some might says budgeting is really a plan for us to spend without feeling guilty about it later. I think what is the most important is we need to have our spending plan in the first place. Without it, I can says that we will most likely be spending in impulse. The problem is I do have my own budget, but then it still end up with over the budget.

Well, yes. I do knows all the facts, but yet I still stuck with the bad spending habits. I still cannot avoid my impulsive buying habits. I will buy anything that definitely not in my list of needs. And when I reached home I realized that I don't really need that things. All these impulsive buying things are really throw me off budget!!

Some people likes to go for window shopping first. With an intention to make a price comparison. Then only they can decide whether to buy or not that things. Essentials enough or not to spend on it. Where and when should they buy the things.

Frankly says, I am not that kind of person. I will buy the first thing that attracts me in any such way. I did tried to go around and compare the price between one shop to another. Unfortunately, it was just wasted my time because deeply in my heart said that I want the things from the first shop. Eventhough the price is obviously different from other shops.

Another problem is branded stuffs. Some of us buy branded stuff because we are influenced by the images conjured and emotional appeal created by the advertisement itself. It not because we really need it. There shouldn't be a problem to buy a goods from the brands that we trust the most. But when we end up buying things that we don't really need or can't really afford, then it becomes a problem.

I am figure out myself if I am a brand-stuff-maniac? Hell no!!! I will buy anything. Just anything which I think cute, attractive etc. I don't really care about the brands. In my mind if it is cute, even though no-brands or "pasar malam" things, I will buy it. The cheaper the better.

The cheaper the better? Sometimes I can says that I am not really agree with it. I means if we buy something very cheap, we will end up with buying it in a large quantity. As a result, our money still gone. And that happened to me.

Owh world!!! Please help me. How can I control my very bad spending habits? In fact I have not enough money now. For maintenance. I have to buy my toiletteries. I have to buy my facial products. My hair care products. My medicine. Just everything!

Where can I get those money? I always dream if I will found a bag that fullfilled with money. What will I do with all the money? Maybe I can use it to finance my next semester's cost of study. Yes, I will not receive any loans or PTPTN next sem . I did made an application to extend my loans but seems rejected. No answer at all from them.

Maybe I can buy a new lappy . New "canggih" mobile. New car. Shhhh...BEN will hurt if he hear that.

Where can I get enough money to pay all my needs now? Ask form ABAH? No!! I am not a daughter who can sweetly "slamber" asking from my ABAH. Plus I knows better my ABAH's financial position now. Yes, I am still under his liability . That is his responsible to give me money since I am not marry yet. ABAH did gave me pocket allowance. Plus LOVE always help me out with giving me some extra bonus. But seems I am the one who doesn't know how to manage it.

Urghhh!!! Money money money!!! Really make me crazy!!!