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Feb 13

How did I spend hubby’s $200 salary raise? Well, I bought a day cream, a cleanser and some new undies.

Oh, yes, hubby gave the extra $200 to me this month! I could spend on any necessary personal care products that I needed. Needed. I didn’t spend on items that I Wanted.

Since being placed in the debt management program, hubby and I have been spending our money very carefully. We always consider Wants and Needs before we make a purchase.

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Jan 14

I am thinking of encouraging my elder sister to set up blogs and get paid blogging.

She is in need of extra money very much as her hubby is not doing much job. Plus, there are increasing credit card and loan payments that seem to put much pressure on her.

Seeing there are so many weight loss and differin reviews assigned to me this week, I think my sister can really give blogging a try.

Just that I am worried if she is patient enough to blog consistently.

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Oct 22

Money issues. Is there a day that you don’t have to worry about money? I am basically thinking about money every day. Money, money, money.

When it’s time to pay the home insurance, I have to think when I should start saving for it and what expenses I should cut down to help achieve the amount.

When hubby needs a pair of new spectacles that costs a couple bucks, I have to crack my head trying to squeeze out an amount to pay in one lump sum without using the money saved for the car and home loan instalments.

It’s my hope that hubby doesn’t simply give money to his brother while we have to struggle to find money.

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Oct 17

My dear hubby doesn’t know that I am pissed off now. Not wanting to talk to him, I am sitting in front of my computer doing my assignments.

He thinks I am just busy rushing my assignments and articles submission.

It’s something that he said during breakfast that irritated me. His brother is another reason why I am mad about him. He told me last night that he would give this younger brother some money.

Hello?? Sometimes the money that he gives his brother is from my money! It’s my hard earned money from selling the best acne treatment products online, you know!

I really dislike this brother in law very much! Each time he comes back, he will either borrow money from hubby or get hubby to give him some money.

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Oct 13

I feel happy for my younger brother-in-law who finally decided to enroll in the BA in fire service administration. He has always wanted to pursue his studies after working for so many years.

He has also encouraged hubby to sign up one of Lewis University Online’s highly respected online master’s degrees.

Of course, I hope hubby can realize his dream one day when our credit card debt is gone and my online income is more than enough to support the whole family.

If my online income can cover all the household expenses, I am sure hubby can focus on his studies fully.

It’s possible for hubby to pursue his studies again, just that it’s not the right time yet.

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Nov 14

Hubby and I used to have more than 15 credit cards before our debt reduction: 0% interest credit cards; low interest credit cards; cash back credit cards; rewards credit cards; business credit cards; sports credit cards and airline credit cards.

Now, whenever we are offered credit card offers, be it a sports credit card or a bad credit credit card at the shopping malls, we will think twice.

Sometimes, we take time to compare credit cards offered by various banks.

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