I slept quite late these few days and my biological clock is turning into a haywire...I'm suppose to go to sleep right now but I just can't...

While I was waiting for a bus, I was thinking what I'm going to do to sustain my days after NS. I really need to save harder. Even if it meant to scrimp and live with only 2 meals a day. I know, people may think I'm a cheapskate or a scrooge. I'm just a plain, no money waster.

I have no abilities to splurge and satisfy my cravings as and when I like. It is limited to how much I have to spend. With the meagre allowance I get, I need to use it for transport, handphone bills, food and other things that uses money. Most importantly, I need to save. For what? For my own future use, duh!

I realised that without enough savings, especially when your parents gave you a hard time about pocket money, can be very frustrating. Your friends can splurge for a pricey clothings, shoes, movies, clubs because 1) They have their own savings and you don't, 2) Their are rich, pampered and spoilt brat. Period.

Many of you would say that money could be earned in a short period of time. Yes, I do agree. But to sustain that same income is very unpredictable. Who knows that GST might increase again?Who knows we might get into depression again? Who knows that you might get a disaster that drains your finances?

People have their own way to manage their financial needs. I have mine. So, it is impossible to dictate anyone to use their savings for something that is not justifiable. It is a sensitive topic but people just pretended and oblivious to the fact.

Savings can come in handy. Believe me, it will.