this is the month where i need to be FRUGAL. please remind me.

i shall stay home. eat at home..which is apt since it is ramadan. go out less often less it is absolutely necessary. scrub myself. stretch everyday so i dun feel achy and feel the need to go for a rubdown. find projects to do at home.

the moto for tis month: Spend Smart Live Rich.

contrary to what some people want to believe..i dont make oodles of money. alhamdullilah that it is a neat sum..but i still have bills and loans to pay and groceries to buy. and so does everybody else, i know. but i just like to stress i dont have huge sums of money stashed in the bank.

plus you know, i need to save up for the wedding.. uhhhm the other day, was chatting in the bus with someone. he is in the process of planning his end of the year wedding..and he told me how much money he had spent. one day, he was at a furniture shop and had to pay for the deposit for a set with his credit card..when it got rejected coz he had maxed it. apparently that is the strategy by a number of couples, to max the cards and recoup the profit from their wedding to repay the debts. i just thought it was Scary...since we know, malay weddings do not guarantee a profit most times. sometimes the balance in my current account at some parts of the month can already get me to a state of semi depression, i have to resist the temptation of dipping into the savings fund.