managing finances
When it comes to managing personal finances, I can be rather weak in this area. That’s why, I often need my hubby to remind me and nag at me every now and then to be careful with my spending and not overbuy on things I don’t need. How many of women can agree that it can be hard to ‘buy things we don’t need’!
Over the years, I have come to understand the Debt Management is important especially when you have a family or have other personal commitments. I have seen so many people falling into the debt trap and ending up in six figure credit card bills. And my you, these people are ordinary folks like you and me. A personal confession to make: I have been eyeing at the Apple iPhone since last year and am tempted to get one the other day cos my bro-in-law is coming to town. But after much evaluation on my intention to buy it, I change my mind. The truth is, the iPhone doesn’t have features that truly satisfy me: no 3G, 2 Megapix camera features..etc. So I guess the luring factor to buy it is because I’m a Apple user and I do like looking cool and chic with the iPhone. Anyways, I have decided to be practical and follow my head this time, not my heart. Managing finances can be just the same - we need to follow our head and not our heart - especially when it comes to over indulging. Just my two cents here.
