KambingBujang

The day that salary pay day is the day the machine runs out of money. In my situation, 25th of every month.

When people tailing up to the nearest ATM to my office, I couldn’t deny that feel annoyed because the ATM always runs out of money when it’s my turn to withdraw my money. So I try to avoid the ATM on that particular day of every month. I don’t want to get any stress.

I believe most of the people regret when the day has come. They withdraw most of their sweat-and-tears-for-a-month money, and buy something expensive, so they can gain respect among friends, colleagues, and bosses.

Expensive and luxury things can give you status, pride, and social class. But what they cannot buy is your future money when you suppose to save some money for the old days to come.

It is called regretful day because that’s when the day people let the compulsive desire take over their day, where they should let their brain do their job at the moment the ATM withdraw their hard-earned money. They get into worse when the money dried up its well in the middle of the month.

How to avoid regretful day? We now should into the fundamental of managing the money, where you let the brain and the wisdom take a full charge as your financial keeper

• Create a budget. Writing budget on paper was the way that I used to do in Matrix Study. But it is still the most practical way to monitor the transaction process. As for whom thinks paper is quite conventional, you could always do on excel spreadsheet format.

• Automatic Saving Method. You may feel angry that you really need to use money this month. You have extra money but unfortunately the money has been automatically deducted from your account. I felt it that way too, but it also makes me feel like ‘paying myself first’ when I look into the balance of my account, 10 years from now.

• Runaway from the desire and temptation. I always stuck with the latest gadget, I can envision myself took out money the long term saving account to buy gadget. But I often try avoid that desire from buying the unnecessary.

• The Wish list. Always stick with it. If you have a wish list, just buy something that on the list only. If there are not in your checklist, then don’t buy it. If you don’t have wish list. Make one, because it will help you for not to buy something that you actually want.

Most of people, including me, trapped inside this habit. We would always buy things just to show off to everyone that I’m wealthy and I can afford anything I want. I think it’s OK if you want to do that as long as you can save a little money every month, and not to get regretful day.