
Between both Nas and I, we have had about 14 credit cards from various banks. Every single one of them had credit balance on them. And every month we were paying more than the minimum. How did we end up being the people we swore we would never be?
Circumstances lah.
Disebabkan Nas keje jauh gila, every month he had to come home at least once, sometimes twice. Semua tiket yg dibeli, was through credit cards. Then there was the auto debit of misc stuff. Insurance for example. Then there was petrol.
Then there was the occasional shopping spree. Walaupon susah untuk mengaku tapi I kena gak mengaku that I spent more than what I earned. Dah kata akan control, nak control bla bla bla tapi hakikatnya masa swipe tuh mmg tak sedar pun. End of the month tgk statement then mcm nyesal je.
Byk gila barang yg dibeli mcm kalo pk-pk balik, bukan diperlukan sgt pon. Come on 2 blushers in a month? Siapakah je pakai 2 blusher sebulan? Adakan kau pelakon opera? Bukannnnnnnnnnnnnnnnnnn so tak payahlah asyik nak beli season nie punya eye shadow, season baru nya lipstick. Season je pon…
So last week the both of us sat down and settled 12 out of 14 cards. We then decided to potong semua 12 kad itu.Tinggal lah 2 je. 1 utk kecemasan and most importantly utk digunakan masa bersalin nanti. The other 1 for me to use coz I bila keluar tak suka bawak cash more than RM100 at one time. Pernah kena ragut sekali, cukoplah taubat.
I’m really glad that Nas enrolled me in Usana. Nampaklah hasilnya. Paling best, I’m healthy because of the supplement and on top of that I dpt bonus gak.
I’m all smiles…for now hahahahahaha. Another 3 more months to go and sangatlah berdebar-debar.
p/s : I’m still not happy with my blog layout…
October 4, 2009 at 9:13 am
that happens to everyone ok !! I rasa when I started working i wont be using any credit cards but debit jer..since i def WILL be spending more than i should..;)) tak faham laa how my parents manage their finances..bill credit card monthly not more than a few hundreds jer kalau x silap..mostly petrol and groceries..respect k..
p/s : jgn nervous Ary..doa byk2..;) ill pray for u
)
October 4, 2009 at 9:21 am
Itulah when I got my first credit card pon, I was really disciplined. Every month nampak only isi petrol je. I guess mmg berpuaka lah kad kredit nie. Sebab u main swipe je memanjang, tak perasan pon hope much u have spent.
My parents lagi best. Believe it or not, both of them have 0 credit cards. Last my parents had pon was like 10-15 years ago. My mom kata kalau takde duit, duduk je diam-diam. Better takde apa u nak dari ada tapi berhutang.
Hu hu hu I hope lah lepas nie boleh ikot jejak derang.
Thanks babe, doakan I byk-byk ya
October 4, 2009 at 1:52 pm
I pun baru apply 1 CC nih.. tp hopefully x terjebak utk menggunakannya kalo xde keperluan.. (leh caya ke? ) .. anyway.. patutnya I x menggatal cakap yes masa org tu call n promo CC ni kan.. kan dah dpt 1 CC.. huhu.. rasa cam nak sorok je CC I tu..
October 4, 2009 at 1:58 pm
Asalkan u boleh control takpe tapi hehe semua org I kenal terbabas tau hahahahahaha
October 8, 2009 at 12:33 am
yer saya juga pernah terbabas..hihi
October 5, 2009 at 6:28 am
mana budak yang terer buat layout tu? mana?
kasi suruh dia setel la.. geng2 usana u kot
October 5, 2009 at 9:37 am
Arghhhhhhhhhhhhhhhhhhhhhhhh budak itu ke Khai???
Dia nya bz menakutkan lah Khai. Kdg-kdg ym pon cuak-cuak je :p
October 6, 2009 at 10:14 am
dia ym dalam henpon skang wooo.. dasyat
October 8, 2009 at 12:34 am
ooo pakatan mengutuk apakah ini?
October 6, 2009 at 2:04 pm
Ko jangan memain Khai, henpon bukan calang hendpon. N97 woooooooooo hahahaha
October 8, 2009 at 12:35 am
hik hik hik…bising la korangggggggg
October 8, 2009 at 4:28 am
Ekekekeke biasalah Penol, kita kena acknowledge org yg up-up-up pasal gadget nie. Siapalah kami nie :p