My financial life so far - January 2016

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It’s been a while since I’ve been active here. You know, life has been catching up to me and all. Working in Fiverr has been great. There are people asking me questions almost every other day. By the way, here’s my username over there just in case you need some automations help and all: helmehmy. Anyways, I think it’s time to update you on my financial journey, since January is coming to an end. So here’s how it’s going. Every single day, I am learning more and more about the responsibility of having a credit card. Sure it’s a secured type but because it’s like a regular credit card, this is where I am having my greatest challenge. How to pay it off? And so far, even though this challenge is one great headache at times, I still have got to say, “I am loving it!” No, I am not a masochist. I’m just looking at it in a perspective of a gamer. Now you know why I am loving it. For those who don’t know me, I want to be rich by the time I reach 30. At least rich enough to live day to day without depending on a job to feed me and I still have enough to indulge myself to simple pleasures of life like having a 5 hour coffee break. By the way, I have a confession to make. I’ve been overspending for the past 30 days. But don’t misunderstand. It’s not so much that I can’t pay for it. Php 10k for some of you may be easy to earn. Actually, I have some money set aside in another bank (You guessed it. A little over Php 10k), ready to be invested and make me more money. And I can use that same money to pay for my maxed out card. Now here lies my current challenge. I wanted that money to be invested, not pay for my credit card. So, how can I make it that I can afford to have another investment while I still have debts to pay? Now, this is a simple problem that can be easily solved by getting my saved up money and use it to pay for my CC debt. After that, I’m debt free. But then, I won’t have the money to invest in the next 15 days. And then, I still have other expenses to pay like my wet wipes because toilet tissues at work just hurts. Now, being a gamer, I say, keep the saved up money. I can allocate some of it to payment the debt but no more than 10% of it. The rest will have to be paid in installments for the next 3 months. Now the thing is, how to do that without getting my pockets fired by shotgun interests for late payments? That’s the reason why I am in a hurry right now to get myself to my bank and ask them for a program on how to pay them without killing myself for it or waiting for a million years before I can finally pay my debt off. So, I’m keeping my fingers crossed. Wish me luck!