Reflect upon your present blessings,
of which every man has plenty;
not on your past misfortunes of which all men have some.
- Charles Dickens (1786-1851) -
Use the spiritual guidelines that say,
"Take care of yourself and take care of others. Don't hurt yourself and don't hurt others."
Those are two spiritual guidelines upon which to base your life, two guidelines that will never get you in trouble.
Those teachings are of Spirit.
Anything telling you to goagainst those teachings is not of Spirit.
- John-Roger -
What do our common new graduate spent?
Supporting parent/siblings (RM350.00)
Handphone bill (RM100.00)
Food averagely (RM300.00)
Transportation & Parking (RM250) petrol ~ Car
Gloceries, fashion/clothes, Books, freind b'day, clubbing, ciggar, liquor, etc (RM300.00)
Left only RM300 per month. But it some how went missing day by day and month by month. You know why? What we listed above just a monthly common spending. I do not list those like car maintenance, annual road tax, car insurance, credit card payment, interest imposed, etc. This you should listed by yourself thos occured every 2 months, quarterly, bi-annually and yearly basis. That going to dedected most of your annual income.
So, now how much can you have at the end of 3 years of working? Some end-up negative or zero, how many of your surrounding still have positive at least 20K cash? As we growth from day to day, we indirectly having this unconcious habit developed throughout the years of spending. We spend more despite our increments not equal to the market growth. Inflation growth in many industries but have major impact to our least daily needs spending and top list of daily 'want' spending. Year to Year growth, are we really cope with the inflation OR are we giving up our cost cutting strategy to feed those in our priority?
If you to have additional spending to addin into monthly list, do you willing to do the same cost cutting for a sake of your future financial security? Basically, this cost cutting do not have major impact effect to your current living and it just play roles as funding to your own account during the time when you require. Don't you think it is great?