It's been 37 days without CC and i'm doing fine. Although there are things that i wanted to buy, it's still manageable. I can still live without those things and life goes on.
I do admit that i'm not good at handling cash. Having a decent paycheck does not mean I always have extra cash in hand!. In fact, my cashflow is always in the red. If i'm able to settle the debt, there will always new things that I wanted to buy and I ended up using CC again after settling all the outstanding. To date, i'm still strugling to pay off the CC and at the same time finding doors to positif and extra cash flows. That's life..
Apart from forbidding myself to use the CC. I find that educating myself is a good way of preventing myself from spending. Apart from reading from the internet and reading for the forthcoming examination, I would read books as well. Not just about investment but more about being yourself and cultivating self discipline.
I'm currently reading the book by Ho Kok Mun - How to make money from your stock investment even in a falling market.
A friend once told me that these books does not makes you rich. Instead, it makes the author rich!. I do agree on that. But, if you do not learn from the rich, how are you going to be rich like them?. So, just ignore that kind of comment and start reading.
Another friend would say that every investment book is just the same. There are nothing new in this book compared to the previous book i read. I totally disagree as for me, every books are unique. Although there are a few similar points, there are a lot more new information that being shared by these different authors.
Well, the choice is ours to make. Read on not, it's up to me.
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