It’s Monday. I woke up feeling pumped up to tackle the week. No negative thought whatsoever, positivity all over my body. This week is my time to shine! I’ve had enough trial weeks already this year. Until a colleague whispered to me. “Psst hey, have you done grocery shopping already?”.
It has been a great month! As in I wasn’t tempted that bad to buy things. Instead I found my perspective changed. My financial motivation improved.
I’m on my first month of a no buy year! And I almost failed. Few times. There are so many temptations. Haaa another 11 months to go, help!
I remember crying in the public when my partner said “Just save your money lah!” as he didn’t understand how did I not have any savings despite the fact that I’m earning more than him. I didn’t actually blame him for that, I was questioning myself as well. Still, I was sobbing so hard…
So I knew when I reviewed my 2019 spending that I have to take control of my financial life. I barely have savings and yet going through my spending, I realised I’ve made many unnecessary purchases that came from pure impulse buying. This has to change. So here I am, embarking on a full NO BUY YEAR journey!
I’ve no idea where my money goes. Even after following the prime financial advice of budgeting each month for few long months, I still ended up broke and going beyond my budget. Exhausted and defeated – in June 2019, I decided to go into the root of it all. I forgo budgeting to track my finances, both my income and expenses. I wanted to see what actually happen to my ringgit each month, so for the past 7 months, I’ve been living as usual with my regular income and spending without much restrictions on myself. Here’s the result.