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Just not long ago, I started to record down my expenses and found out I actually spent 3 times than what I had budgeted for myself, and FYI except for my school loan about RM 160 per month, I don’t have other commitments, no car loan, no house loan, how the hell I could spent the equal amount as ppl who has a car and a house. T.T, I seriously need to bang my head against the wall.
Ok, ever since I record down every expense and having a strict financial planning for myself, I actually stressed the shit out of myself, to see the money grow like snail every month. How the hell can I buy a car, house and raise kids in the future?
My company management would say, work harder and get a promotion, be a manager like them wtf..
Colleague A: working for 20 years, a very dedicated worker working from Mon – Sunday, never takes holiday; end up as unmarried lady with no social life at all. Her life is all about working and go back slp, the same routine for 20 years. Her solely entertainment is TV show after work at 10.30pm.
Colleague B: now facing health issue in his young age because of unmanaged-stress
Colleague C: laid-back type, married with 3 kids and clears all her loan and waiting for retirement. (wtf... i am secretly jealous)
Geez… do I really need to work harder get a promotion, stuck in rat race and before I realize I am already a dead rat? T.T
This is what I tell my friend recently.
20 years of saving 0-20 -> around RM xk, when go study = 0
after 2 years of working -> around RM x0k, after buy car = 0, when got car, u want save more is even harder already. All start from zero again
X years of working saving after buy car -> estimate around RM x0k, after buy a house = 0 again, when you have a car, a house, saving is EVEN HARD
XX years of working saving after car, house and a husband/wife-> estimate ZERO saving, coz maybe that time you already have kids.. got car, got house, got kids, saving is almost impossible.
Shit rat race. T.T
Earning is hard, saving is even harder. T.T