Gone were the days when I foolishly felt that getting a job with a fixed monthly 2k Ringgit currency was enough for life.
8 years ago, while in the search of a career, I innocently, a pure dabbler, had thought that a fixed income would do the feeding to the body and soul. I was an egoistic superhero with words - criticizing those with debts, those with jobs yet failed to separate oneself with the verb "owe", believing immaculately that such nonsense would not fall unto me. The level of confidence made itself a promise that if ever a decent monthly salary were in my grasp, the veto power to control the salary outflow would be all mine.
I was dead wrong.
But I was not the only one.
Most employees would have at least the same thought, if not a high percentage of similarity with mine, at the beginning of an employment of their first job.
And then, the environment would start giving some sort of pressure to us. We start needing a car. An upgrade toa new phone; the latest one, if possible. And then a new laptop. And then new clothes and shoes and handbags - though it is not necessarily a need. And then comes 'the' credit card. And then the benefits of swiping credit cards - the convenience of it, especially when there is an imaginary need of fine dining (just because!). And then a loan, to settle off the credit card outstanding. The mind loses. Desire wins. From one loan to another - as long as the eligibility is awake! Then, unsure of how life brings us to one steep curve - where bills are stalled, and the registered debt collectors start calling the phones - and expensive gadget just keeps giving more stress instead of its initial purpose as a thing which supposedly brings pleasure.
Well... despite this category of people with me in it, there is another category out there who do savings more than damages! This is the category I am trying to get in now... one which is quite hard to enter - but I know I am getting there... :-)
Thank you.
