I did the most stupid thing over the months before i got married. Not surprising that i brought over the misery into my married life. hahahha i don't know man i wish i could go back in time and slap my own face.
So what happened was, i loaned a total of $6k to a friend. My heart soft ah, that's why easily can give money like that. Part of that $6k was loaned off from my DBS cashline account. Don't know eh, i kinda believe that people will really work hard since there's people helping them try to get back up on their feet. NAIVE RIGHT. i know.
Disclaimer: I am NOT mentioning any names here so kindly don't be kepo try to find out who is the "lucky" fella who manage to suck my money dry ok. Don't need to assume anything also. Ya i know i stupid.
Ok so as you knowwww, i still kept my 2nd bike, my Yamaha Spark 135. Intention was to renew COE, then to rebuild the whole damn thing. So the total costs is .....
COE as of June 2016: SGD6500+
Rebuild spark: SGD2100
Total: SGD8600+
Honestly, I don't know how i spent so much money within that few months. I can't recall how much savings i had back then either. I only know that somehow, my loans are starting to accumulate. hahaha bodoh
So anyway, back then i had loans with DBS, credit card outstanding with ANZ. My OCBC credit cards was a horror because every purchase got converted to installments and i ended up having accumulate SOOO MUCH to pay every month. But you see, i'm a very independent and financially savvy (chey! screw you la savvy.) kind of person. I know it's irrelevant that with the amount of debts i have, it's pointless for me to set aside a portion of my money to park as savings. You know lah, anything can happen right?
So now as i'm desperately trying to clear my debts by claiming what's mine, it is no surprise that people will constantly have excuses after excuses as to why they can't even pay a single cent. Pathetic much? Okay la be a nice person la and think of the good things.
It gets frustrating because .... FUCK LAH I HELP YOU ALL THEN I IN DEEP SHIT WHO HELP ME? Help yourself loh. K fine. Never mind, suck thumb and eat shit. Slowly pay off whatever loans i have and stop getting myself into unnecessary debt again. Just so long as I don't owe anyone money, is more than enough.
I don't understand how people can just shrug their debts off their shoulder like they don't owe anyone anything. Especially that useless ex. Wah, that one sibei CMI fucking gold digger do so much wrong and then point to that single fucking mistake i do just so that he can get away with paying.
So anyway, back to the topic ... i managed to increase my credit limit for DBS, then consolidated all my debts/bills into one account. So yay to zero dollar bills for ANZ and OCBC but OMG to my DBS bill! See amount i owe liao i can cry. But i mean, it's easier to consolidate everything into 1 so lesser things to think about and don't have to keep thinking of "alamak must split my money here there everywhere."
Let's see how long i will take to clear all these debts. Oh, and i do not ask my husband to help me pay my bills for me ok! My financial shit, i clear myself; i will never allow my husband to pay my debts for me. So yeah, 2017 goal: to waltz into 2018 debt free!
So what happened was, i loaned a total of $6k to a friend. My heart soft ah, that's why easily can give money like that. Part of that $6k was loaned off from my DBS cashline account. Don't know eh, i kinda believe that people will really work hard since there's people helping them try to get back up on their feet. NAIVE RIGHT. i know.
Disclaimer: I am NOT mentioning any names here so kindly don't be kepo try to find out who is the "lucky" fella who manage to suck my money dry ok. Don't need to assume anything also. Ya i know i stupid.
Ok so as you knowwww, i still kept my 2nd bike, my Yamaha Spark 135. Intention was to renew COE, then to rebuild the whole damn thing. So the total costs is .....
COE as of June 2016: SGD6500+
Rebuild spark: SGD2100
Total: SGD8600+
Honestly, I don't know how i spent so much money within that few months. I can't recall how much savings i had back then either. I only know that somehow, my loans are starting to accumulate. hahaha bodoh
So anyway, back then i had loans with DBS, credit card outstanding with ANZ. My OCBC credit cards was a horror because every purchase got converted to installments and i ended up having accumulate SOOO MUCH to pay every month. But you see, i'm a very independent and financially savvy (chey! screw you la savvy.) kind of person. I know it's irrelevant that with the amount of debts i have, it's pointless for me to set aside a portion of my money to park as savings. You know lah, anything can happen right?
So now as i'm desperately trying to clear my debts by claiming what's mine, it is no surprise that people will constantly have excuses after excuses as to why they can't even pay a single cent. Pathetic much? Okay la be a nice person la and think of the good things.
It gets frustrating because .... FUCK LAH I HELP YOU ALL THEN I IN DEEP SHIT WHO HELP ME? Help yourself loh. K fine. Never mind, suck thumb and eat shit. Slowly pay off whatever loans i have and stop getting myself into unnecessary debt again. Just so long as I don't owe anyone money, is more than enough.
I don't understand how people can just shrug their debts off their shoulder like they don't owe anyone anything. Especially that useless ex. Wah, that one sibei CMI fucking gold digger do so much wrong and then point to that single fucking mistake i do just so that he can get away with paying.
So anyway, back to the topic ... i managed to increase my credit limit for DBS, then consolidated all my debts/bills into one account. So yay to zero dollar bills for ANZ and OCBC but OMG to my DBS bill! See amount i owe liao i can cry. But i mean, it's easier to consolidate everything into 1 so lesser things to think about and don't have to keep thinking of "alamak must split my money here there everywhere."
Let's see how long i will take to clear all these debts. Oh, and i do not ask my husband to help me pay my bills for me ok! My financial shit, i clear myself; i will never allow my husband to pay my debts for me. So yeah, 2017 goal: to waltz into 2018 debt free!
