Showing posts with label credit cards. Show all posts
Showing posts with label credit cards. Show all posts

Friday, November 27, 2009

ENOUGH

i've been in hiatus for the past few days (im sick as hell). in doing so, i was made to ponder about things in life. as i was staring blankly at the ceiling, it made me think how much longer can i actually go on with being unemployed and solely depending on my savings.

reality wise, my savings is drastically depleting and i don't think it can suffice my over extragavant spending habits anymore. i will admit, i am a huge spender. i've always denied this fact to my mom and friends everytime they would tell me that i spend a lot. sometimes, i would get into arguments with my mom because she wouldn't agree on my spending habits. the funny thing is, i only realized this when i think it's a bit too late. as the saying goes, you will only see the worth of something once it's gone. you sure do. in my case - savings.

as much as i'd want to stop being impulsive, i just cant. i always tend to rationalize. it sucks. i've bought so many things that are now just covered with dust. i have clothes that i never got to use, shoes that ive used once, hats that were bought for the sake of just buying them, gadgets that make me think now why i even bothered buying them in the first place, and so much more. the thing with me is, if i see something i like or i think i need, i buy it. im getting sick of this habit. my friends even have this habit of setting a timeline for every new thing i acquire - whether it be a guitar, a keyboard, a skateboard,, a new cellphone, a psp, a camera, etc. they would usually give it two weeks before i get tired of it. most of the time, they are right.

so that you have an idea on how much i actually spend, my usual monthly credit card bill is around 15k  -  to 20k and my cash spending varies from 15k to as much as 50k a month. for someone unemployed, this is not tolerable.

i badly need intervention!!!!!!! is there a rehab center for overspending?!?!?

(come to think of it, this habit will soon be over since there is nothing to spend anymore. i shall glady embrace poverty with open arms! =/)

Sunday, November 22, 2009

PLASTIC CARDS WITH MAGNETIC STRIPS AT THE BACK

i went on a field trip today. lol. i had to accompany my 7 year old niece to her school fieldtrip to subic. it was okay. i had better field trips when i was in elementary and highshool though. anyway, the highlight of the field trip for me was the duty free stop over in the end. argghhhsss...

i promised my self that i will cut down on my expenses (due to overspending on camera gear!). the thing with me is, i am very impulsive and i tend to rationalize a lot. i thought i came prepared with this one. i thought wrong.

i was checking the trip's itenary the night before and i saw the words "duty free stop" at the very end of the list. i thought to myself this was not good. quiksilver, billabong, zooyork, volcom, hurley, and ripcurl started to whirl around my head. because of that, i decided that i will only bring 2k cash on this trip and i will be assertive. i thought if i didnt bring cash then i will not buy anything. as if...

so the day went on pretty well only until the last stop which i dreaded most. the chartered bus came to a halt in front of the duty free establishment and there they were as if taunting me - quiksilver, billabong, zooyork, volcom, hurley and ripcurl on the display window. oh fuck! fuck, fuck, fuck!

people started alighting from the bus, so i and my niece went down as well. since i still have a lot left from the 2k i brought with me, i thought why not just spend it on whatever it could buy. so we went inside and i started checking things out. i could still buy one hurley shorts with the money i have with me. so i got my size and went straight to the cashier. as the cashier ringed the merchandise, the price was discounted to about 60% off. i asked if it was on sale and she said most of the men's apparel were on sale. geesh!!!!!!! this is not good. i told the cashier to hold my item for the meantime as i check some more stuff. she said okay.

i hurriedly went back to the men's apparel section, dragging my niece with me, and looked for a sales clerk. i found one and asked her what items in the men's apparel section were on sale and she said basically everything. i was suddenly in hypermode. i thought to myself, this is too good a deal to miss. so, i started to grab  mr. quiksilver, a few of his billabong cousins, his uncle mr.hurley and his friend mr. zooyork. hahahaha. obviously, the little cash i have with me is not enough to purchase all these. it's time to pull out those plastic cards with magnetic strips at the back. hahaha. again, i told myself, THIS IS TOO GOOD A DEAL TO MISS! (insert rationalization here)

since the 2k rule has been thrown out of the window, i asked my niece if she wanted anything. she said she'd look around first. after a few minutes of looking around, she got hold of a doll with a head-body disproportion and another with blond hair with a very small waistline. what's up with little girls and thier fascination with dolls?

so there goes my 2k assertion and expense cutting! i may have gone way beyond 2k but with a 60% off deal, it's definitely worth it! (insert rationalization here)

note:
next time i'll really be assertive. i mean it this time. i'll bring just enough cash and leave my credit cards at home. but what if there's an emergency? (insert rationalization here)

hahahaha. i am hopeless!