We’re in the second half of 2021 and it’s time to review my financial goals. How’s my progress so far?
In April, I was having a spending relapse. I was hoping that it’s only a state induced by work stress and not something that requires a major interference, i.e., another no buy year. Thank god, it’s not! It’s just a phase. Fuh, sigh of relief.
As an adult, I just realised how everything about Raya requires money! And here’s how I saved and spent for Raya this year in 2021.
Am I having a spending relapse? Please knock some sense into me. I’m not happy to have to report to all of you My April Spending Highlights.
March is emotionally and mentally challenging for me. The good thing is I received my tax refund in March and here’s how I spent them.
Before we do a proper spending review for my 2020, let’s go through the last update of my no-buy year – December update! Finally, done and dusted.
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.