i think i can officially call myself debt free!! haha. I've never been debt free since Poly. Forever borrowing money from my dear sino and paying up when my pay comes. Forever owing people when i need to feed my hunger for pool. Its a bad habit but i guess i just wasnt disciplined enough to know my spending power.

Now, i am actually saving. For the first time i can actually go out and not really think about whether i have enough to last the month. Financial freedom bebeh!! The highest amount i ever owed was $400. It actually snowballed due to my so called love for her at that moment. I even lied when she saw a text msg about a guy asking me for his $100 as he needed it urgently. I owed 4 different person $100 each! can u imagine that. To think that the rs ended rather abruptly just brings me to think did i deserved that. Anyway, that aside. Instead of being all sad about that incident, i took it on myself to take it as a learning experience. Not for the failed rs but the part where i owed that much of an amount.

I use to plan on how i'm gonna spend every penny to amke ends meet. Now, i plan on how i can cut down certain things to save up more.

Spend wisely people. (: