Wednesday, November 30, 2011

approaching the wee hour.

as we approaching the late hour, people are rushing home, hopefully to get some last train back home

Getting up as early as the first train to work. One of them as well ?

It just get tougher living in this kind of society people are running like a rat race... Running in the cage hoping that they had already break through. But never out of the cage...

Sometime we just had enough of it... We just snap.

Recently jump on reservoir. Most probably are those people who put in all their hard earn money to turn into millionaire overnight. But fail...

Let's run or slow it down and think of a better plan ?

I say for the time being I would just run. Fast and fast enough...

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getting back my spoil watch..


Well send my watches for repair and they charge me $50for it...

理由多过牛油.

So make my way down and get back my spoil watches. It cost me about $60+ sgd after conversion on the internet ebay...

It a good buy... But the repair is seriously overcharged. My colleague has a exactly a same watches as me.. he brought at $180+... Really a rip off...

Right now I hope to get back my watches and keep it with me... Maybe one day it will be put in good use..... Hopefully.

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Tuesday, November 29, 2011

feels like giving up, life has no meaning...

Read up this article. Why this man doesn't wan to give up


Under our new "Inspiring People" monthly column, we highlight the incredible journey of one person who has overcome tremendous odds to achieve personal success. This column celebrates the triumph of the human spirit and we hope it will inspire you to reach for your dreams too. This month, meet 44-year-old Ezzy Wang, a high-spirited cancer survivor who's not letting the loss of his right leg dampen his active lifestyle.

He swims, dives, jogs and drives. He's taken part in the Aviva Ironman and OCBC Cycle Singapore. But here's the twist -- he does it with just one leg.

Meet American International Assurance's (AIA) training and competence manager Wang Peng Han , 44, who used to be one of AIA's top sales agents.

Last year, the amputee was one of Singapore's 24 para-athletes competing at the first Asian Para Games for disabled athletes held in Guangzhou, China. He took part in the handcycling competition.

In an interview with Yahoo! Singapore, the cheerful, chatty cancer-survivor said he learnt how to overcome the loss of a limb due to cancer to find new purpose in life.

In 1995, Wang, who was in his late 20s, was diagnosed with synovial chondromatasis , a mass disorder of the pelvis due to leakage of bone calcium.

The condition mutated into a rare bone cancer so a year later, he went for his first major surgery where the surgeons removed his right pelvis before fusing his leg back to the top of his hip.

It resulted in his right leg becoming 15 centimetres shorter than his left. Wang accepted this, believing this would be the end of the "saga" and life could go back to normal.

However, three years later, the cancer cells came back. This time, the surgeons had no choice but to remove his right hip and amputate his leg fully.

"The first time, I was lost," recalled Wang, referring to the first surgery. Questions of "Why me?" and "Should I end my life?" flooded his mind, he said.

But thoughts of his loved ones, who worried about him and showered love over him, encouraged him to stay strong.

He told himself, "All these negative thoughts have to be deleted permanently, no more asking, no more thinking, walk out of that saga permanently and back to life."

The next time he found out he had to undergo another major operation and lose his leg, there was a sea-change in his attitude.

"I was happy," said Wang. "I thought, wow, I can put on prosthetic leg, I can look normal. That was my thought. I advised my doctor to remove it immediately. Never think twice, crazy isn't it?"

Unfortunately, he found the prosthetic leg too heavy. It would hurt his spine over time and it also took him too long to move around with it.

"I decided to use my crutches," he said. And with his crutches, he used to jog for 11 km at MacRitchie Reservoir after he had recovered from the surgery.

"It was awesome," he said.

'Nothing that cannot be done'

"There's nothing that cannot be done. When you have the will, you can do it," said Wang.

He learnt to drive his automatic Honda CRV with his left foot before the full amputation. He also picked up scuba diving a year after the amputation and has done about 50 dives.

Now, his passion is handcycling. After work, he heads over to Mount Faber to train.

Wang first got involved in hand cycling in 2009, after his friend invited him to join the OCBC Cycle Singapore race in 2010.

He contacted fellow amputee Dr William Tan , whom he met at a talk once, and asked Dr Tan to help him obtain a bicycle. It cost Wang USD$9,000.

He then joined the Handcycling Association of Singapore (HAS), and last year, was elected to represent Singapore in the Asian Para Games. The only other handcyclist from Singapore was HAS president Foo Fung Liang.

While he did not win a medal, the experience at the Games was "invaluable", said Wang.

"It was so enticing, so eye-opening to see so many thousands of classifications of handicap," he said, citing paralysed swimmers and blind bowlers.

"They were all very positive people. When I compare myself to (some of) them, I say "I'm so fortunate"," said Wang.

Fellow handcyclist Michael Ngu, who has known Wang for about two years, described him as "very gentle, warm, jovial", with a drive in his pursuits.

He recalled first meeting Wang at a bike shop at Big Splash one evening, when Wang called out his name. "To my wildest surprise we immediately clicked and thereafter we have been building on our biking relationship," he said.

Despite his outgoing personality, Wang used to be embarrassed when people stared at him.

Now, he simply asks them if they would like to know what happened to his leg. "Telling people what happened, how I fought and overcame, it's recovery by sharing," explained Wang.

His openness is one of his most endearing qualities, says Fifi, his wife. They met in 2000, when he was a financial services consultant and she was his client, and married in 2007.

"Ezzy is as capable as a normal able-bodied person," she said, using the nickname which most friends know her husband by.

One of Fifi's most memorable experiences with her husband was when she telephoned him for help after a car accident, one year after the couple -- who were not yet married -- broke up.

"He sounded just like the same Ezzy that I have known although we parted and (had) no contact for one year," she shared. "He came to my "rescue" immediately and we realised that we still care for each other deeply."

In true fairy tale style, the couple started dating again and tied the knot two years later. Although they have no children, Wang said he would love to have kids one day.

His wife Fifi even describes how Wang would playfully tease curious children he meets by asking them to count how many legs he has. (The answer is three -- two crutches and his leg.)

Wang's experiences and positive thinking has encouraged other people to pursue their dreams, believes Fifi.

"Many times, people take things for granted... Ezzy helps to remind me to be grateful for what we have now," she said.

In turn, Wang credits his wife as a constant source of support.

"She's a very positive person," said Wang. "We can share, we can learn together, that (emotional connection) keeps me going."

"Everybody may encounter different disabilities … You've got to accept that you are like that. Don't blame, don't ask why, move forward to live life to your fullest," said Wang. "That is more meaningful than asking questions that don't have answers.

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office


my working environment.

With 2 CPU running and 3 monitoring plus a radio set to communicate to the operator.

This is the job of a supervisor for 2k salary... If you say it normal, imagine night shift...the shag and the dumb brain not function properly... Talking nonsense only after few hr later you realise all those are not necessary..

Hatred night shift..even though the salary is high extra 500 more.. but really crap...

More pc more stress.....

Almost like stock market.



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stock market.

Showing sign of recovery.

Should I enter ?

No way one more time I go in. I gotta be crazy. Lose so much still don learn lesson... Walmart grow, apple also grow Intel also grow, but must resist the temptation.

One day I will manage to play the stock again... Last night just bleed $500

Deposit my poem losses. Another $500deposit in... To clear my debt.

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receiving a package from singpost

Singpost send me a package while I'm out.. guess who.

It from poems the trading brokerage film... Gonna be some deep Shit...

Guess there nothing much to expect but to wait n see how things goes... Shall collect the package one of this day....

Certain thing can't rush you know that ?

Dawn debt.... Time will heal. But the incurs interests in... Nvr ending loan. Really wth....

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cheap thing at night


Getting food for tomorrow breakfast?

It better to get at night and store it in the fridge. Not only good but save money...

How long it take for our food to go spoil. Nowadays all food are chemical. To my belief 36hr in the fridge still edible... Nothing wrong with it.

Microwave it and all bacteria would be killed.... And it as good as new...

Life reaches it bottom, we must learn how to adopt to certain changes. It not the changes hurt , but adopting well to the changes hurt the most/more.

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exercise

When was the last time I train my body.

It really hell...

Body ache ARM ache leg ache....

Lucky it just minor

When you start saving, life get tough body start to adopt to the situation.

Healthy lifestyle, pay a big price. And cut lots of un necessary expenses.

Shopping eating good food etc.... All gone......

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Monday, November 28, 2011

down

Feeling down, system down mood down

Not a good day to start.

Problem surfacing every where house to office to personnel issue too.



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manage pay day.

Let's face it. When your kids are hungry and you are out of money until next Friday, what are you really going to do about it? If your friends and family are in the same financial situation you are, it can be really difficult to justify letting the kids go hungry until your next paycheck. Sometimes the next paycheck is 3, 4, or more days away and you know you cannot go to the bank to get a loan, because your credit score is not good enough. You owe lots of other people enough money already. 

The only option for people in this situation in most cases is to get a payday loan. The interest rate is generally high, but sometimes what has to be done, has to be done. 

You cannot let the kids go hungry for 3 or 4 days because you do not want to pay the interest on a payday loan and you cannot afford to let the electricity be cut off during the winter. You could, but then what would stop someone from calling the authorities and telling them you're letting your kids go without food? Not a whole lot.

The requirements for a payday loan in most areas are fairly simple: be 18, have a checking account, and a job. They will not run your credit, so you do not have to worry about the fact that you owe a lot of other people money right now. In most cases, you should be able to get the funds for the loan within anywhere from an hour up to 24 hours. Sometimes it simply cannot wait until tomorrow.

If you have to get a payday loan and you are worried about your local reputation, avoid going to a local brick-and-mortar store. Someone might recognize you and it is really no one else's business that you have to get a payday loan, is it? This is one of the greatest benefits of getting a payday loan online.

If you are certain that your situation is an emergency and cannot wait, get a payday loan. But, please be aware that payday loans are not a solution to ongoing problems and that personal responsibility and determination are the only thing that can fix your financial situation permanently. 

To get out of the cycle of debt, you have to remain focused and do your part. This does not mean just going to work, it also means cutting back on things that you know you do not have to have and never, ever using payday loans for anything but a real emergency.

Sunday, November 27, 2011

work n work all about work.

Morning reach office as usual.weekly Report and static etc

Planning heavy ops busy... Nvr ending work...

Familiar ma?

Yes mist of my friend having this kind of job... Some worse reach office like martial arts fighting. Stab here n there.

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my day 4 lunch

Thinking of cheap rice. To settle my lunch ...

As usual, at Tanjong pagar cheap n good...

$3.00 enough to fill your stomach... Nothing much to complain.. good food and big potion.

Facing the temple nasi lemak sell one meal and close shop.

It show how popular this stall is... The Q is always insane. Very very long..

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are you the only one.


Not that bad, isn't it.

European side facing so many debt. Up n down

Down n even down.... To the bottom. Credit rating have to readjustment.

50% off their debt... Such good offer nvr happen to us....

Cos if we down nothing gonna happens either.  A country I very important if their goes down.  Million life in danger.

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dinner. saving mode...


Well guess howmuch was that...

Plain $1.10

Egg $1.50

Total for today a simple $2.60...

It possible actually...

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Saving Money

Saving money to overcome debt. there are many ways.

one of it is coupon. use it on supermarket. 

it save, well saving money not that easy alittle of homework is required.

over here there's some example of coupon save as much as you can ... sometime they give up totally free.

why not take this oppourunity. it a steal. grab it and make your purchase desire worth while...

click here and check it out. interesting coupon. i would rather say it worth seeing. 

there are money saving tools.

boring sunday

Sitex is here . but where am i ?

siting at home seeing the promotion avdertisement and giving every thing a miss...
i cant afford ... i shouldnt have visit those places.

ate my lunch mr bean pancake and soya milk no mood to eat simpily sian to the max

Saturday, November 26, 2011

Handling Debt Problems


Many of the tips just given for avoiding debt can also be used to alleviate it as well. So if you already have a substantial amount owing, a good debt resolution plan can benefit from doing any or all of these things. In addition, here are some further steps you can take:

1. Try to pay off the credit cards with the highest interest rates first. It might be like pushing a boulder up a hill, but the key is to get rid of this debt first so that you simply aren’t wasting any more money. Try to whittle yourself down to the least amount of credit cards you can, and cut up the ones that are paid off.
2. Contact your creditors. You don’t have to look at your creditors as enemies. The money you owe them is real, and it is your responsibility to pay them back. Of course some bitter feelings can arise when you think of interest rates and how much money you can waste overall. But sometimes you can work out an appropriate plan that works for both you and the people you owe money. Remember, if you are in such a bad position that you can’t afford to pay them anything, then they will lose out on money as well. So in many cases it will be in their best interest to work out a process of debt elimination that might include a lower interest rate.
3. Consolidate your loans. If you can turn all your little debts into one larger debt, thing will get much more manageable. Of course you will want to work out a reasonable interest rate and keep up with payments, but consolidating your loans might just be the step you need to gain some focus on the situation.
4. Look at your assets and figure out how to use them. If you have any luxury items that you don’t really need, you can sell them to pay off your debts. You might also have to downsize a bit when it comes to house and home. Obviously it is painful to have to alter your standard of living, but it might just be the thing that gives you the leeway necessary to find an effective debt resolution. And remember, if you manage to pay off your debt you will not be starting from zero. You will still own whatever you own, and even better, your overall value will no longer be in the negatives. It’s entirely possible to start over again and if you implement some smart debt tips, you will be able to save money rather than use it to pay off a debt problem.

saving $


Day 3 I should say. Thing doing fine...

Breakfast eat sushi,lunch eat fried rice.. below $5 cost.

Buying favourite Japanese food at low price only happen after 930, they selling at cheap rate. $1 and tada cheap breakfast...

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Manage to get home early and got to eat my mix vege rice at $2.50 it a steal for 1 meat and 2 vege. where you can now hardly find such cheap deals.

went to sim lim tower to get my electronic component and it cost me about $8 now i got all my stuff i prepare to make a blown floscent lamp alive again using DC to revive the lamp. 

something which i had learn during my pre school day.... i believe it work. 

because i have the confidential 

which is more important

when you are suffering from debt of few grand.

which is more important, relative/ friend or marriage.

in general life, money is the key. money move the world. without money the world probably don't spin at all.

let say a scenically
i own 20k, i wan to save my reputation about suffering debt. i keep to myself, my housing will be in danger. that is my secure debt. which means if i cant afford to repay the debt the bank have the right to take away my house and sell it at a auction, which is very costly as well.

why not shame yourself tell your relative and friend. u are heavily in debt and u need a couple of grand to spare... until u have enough to repay the loan.

at least you save your marriage and your housing. but they will be giving you a weird look.
or avoid you. even when they know your situation.

asian people dread about loan and debt.

borrowing a few couple of cash would wan their life.

so do not be shy and start asking. you get to see their true colour infact.

Friday, November 25, 2011

working on a saturday


Well sound familiar ?

12noon go home !!!

Well life working here sound abit boring but what to do ? It really suck...

Earning for a living... In fact I'm the most slackest worker. Knowing when n what to work...

Wayang that what normally ppl label...

Heading home... On a stupid weather.

Raining.



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Clearing Your debt Akin to Running A Marathon.

It may come as a surprise that i am actually a marathon finisher... I ran 42.128km on 5th dec 2010. It was a really tough run, with many cramps and the never ending road. When i recall about it one year later, i realized that it is not the medal or the finisher tees that is most precious to me but actually is the lesson learnt.

So why is clearing your debt akin to running a marathon? Just like how a marathon is long and painful run, clearing debt will also take lots of time and very painful to be cleared. But there is one very important thing i learnt from the marathon is that YOU NEVER GIVE UP! Bits by bits, kilometer by kilometer, i eventually finished the marathon

Sure enough, i did have thought of giving up too, I get lots of cramp. I just want to take a cab home straight and fuck care the marathon. But i never gave up and even tho people around me are running or jogging, I am walking because of the sheer tiredness. If I have to walk, I walk so long i never give up and finish the marathon.

The same thing applies to clearing your debt. You will get cramp along the way, people will despise you, look down on you and laugh at your debt, so be it. There will be times you want to take cab and fuck care everything but you must always tell yourself you have to hang on there and never give up. There will be times whereby people around you being debt-free and financially healthy while you are being so in-debt. It is alright, just tell yourself never to give up and bit by bits, you will eventually pay back your debt.

I hope this post had motivated you all to never give up in clearing your debt.

What Is Debt Consolidation?

What is debt consolidation? very simple, as the name implies, it is putting all your debt together by borrowing from one source to pay other debt and you end up with debt from only one source. So why do people do that? Very simple, it is to secure a lower interest.

Many creditor have different interest, some lower and some higher. Why would want to pay more when you can pay less interest? So debt consolidation is all about borrowing from the person with the least interest to pay back those with high interest. At the end of the day, you will end up owning the creditor with the least interest you can ever find. The benefit? You get to clear your debt earlier.

BUT BUT BUT! There is always a problem with debt consolidation. The problem is, you have not yet SOLVED your debt woes! Nobody can clear their debt by borrowing from one to payback another... And if you keep doing it, the consequences are dire! Do you realise that everytime you take up a loan, you will incur an interest? so imagine if you keep borrowing from many creditor, you will keep incuring interest! so instead of clearing your debt, your are getting deeper into debt.

Debt consolidation is alright if you keep it to a single transaction. You may end up paying interest when start to borrow again but at least this method will keep you safe from those high interest. And also, it help you to keep track of your debt problems when you only have one creditor to account for.

In a nutshell, debt consolidation is perhaps should be your first step in your journey to clearing debt but never the 2nd or the 3rd. Just do it once and consolidate your debt into one creditor with the least interest and stay put that way. The benefits? You pay lesser interest and help you keep track with your debt problems.

day 2

Mission to save my pocket.

Breakfast chee chong fun. $1.60

Nothin more or less...

Waking up early to beat the mornin crowd. And tragic.

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My goal, my aim day 1

Target to eat $2 breakfast, $3 lunch, $5 dinner.

i manage to did it.

Morning Breakfas,t bee hoon + tofu + hotdog = $1.80. checked !
Afternoon Lunch, Wanton Noodle = $3 checked !
Evening Dinner, Mix vege rice = $2.60 checked !

total expenses for today = $7.40 i met my desire target, exceed expenses -2.60

for today onward i will take a photo of my meal and upload here.
I believe when i break free of my debt i would have earn a decent saving... and from my saving i want to get rich.

work hard for your job, you get a living.
work hard for yourself, you get a fortune.

i am now working hard on myself... saving as much as i can. and stop spending further.

My trade loses, recovery mode

today i am excited to see my trade history, i gonna share here.
all my loses and gain

i can say, it a gain initially. at the end it start to show losses.

below is my current outstanding as on 25 november i really hate to see red.




later part i shall upload september to november transaction...

still doing some editing. to remove my sensitive information.


Thursday, November 24, 2011

An very Insightful 8 Characteristic to adopt for clearing your debts

2nd Characteristic - Set Goals And be Absolutely Committed to Them.
 In other words, I meant creating a financial plan, a plan on how you are going to spend your every dollars. I know you have never done it before and this is perhaps the ultimate reason why you are in debts! This is very crucial to repaying of your debts because you would tend to lose focus during your journery to clearing your debts and this financial plan will act like a negative feedback mechanism to help you.

Setting financial goals meant that you must state down precisely how much money you are going to spend on every aspect of your life, be it food, transport, bills, insurances etc... it is only by noting down the precise amount of money you are going to spend then you can calculate the precise amount of money you are able to save each month. Once you are able to know how much you are able to save each month, you will be able to know precisely when you will finally be able to clear your debt.

Next step you are going to take is to be absolutely committed to the financial plan that you just wrote down. Seriously, what the point of writing down a financial plan when you aren't bothered to read them? Decorating your unused papers? One of a very good way that I am using is to stick those financial plan on your cupboard so that everyday you wake up, you will be reminded well to stick to your financial plans or risk paying more.

I know raking up a debt is an embarrassment to you and your family and don't want to let the world know. However, this particular habit of covering up the fact can very well kill you and your desire to clear your debt.

So stay tuned to the next posts
3rd Characteristic - Overcoming Embarrassment and cynical remarks.

thinking thought

Waking up earlier then expected, to go for a jogging morning.

Seeing people who. Are really disabled and they still making the effort to go for a simple jog.. why I so healthy lazy about at home.

Sometimes we see people as "how they did it."

Actually it really is how they think...

How their thought work.

Really amazing for their determination.. surviving tactic.

Mentally...



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An very Insightful 8 Characteristic to adopt for clearing your debts

I have been browsing through the internet to read about success stories of people who cleared their debts and some in 10years, some in debt of over USD40,000. I read through their stories and i realized that most of them actually have these 8 characteristic and I think it is something that we all should adopt if we want to clear our debts.

1st Characteristic - A Strong Sense of Confidence That You CAN do It!

It is very easy to lost heart and faith when you see the huge mountain of debt that you have to pay off with that tiny paycheck you get every month. But sometimes having the heart and faith that you can actually clear your debts is almost equal to winning half the battle and by giving yourself a good start, you will finish the race with enthusiasm.

It is all about beginning with the end in mind, try to imagine how it would be like when you have finally finished payng the last cent of your debts, having all creditors disappear, all the cynical face of your friends and family would finally disappear, leaving only you on the path towards wealth. Once you have imagined that, I challenge you to visualise it over and over again and everyday, perhaps before you sleep or before every meal. This simple exercise will definitely alleviate your sufferings and motivate you again to continue to cut costs.

Coming up next 2nd Characteristic - Set Goals And be Absolutely Committed to Them.

Sometime we just need a break.

Sometime I really need a break from all this nonsense...

Eating not so nice but cheap food everyday is quite a chore to me

I really want to eat nice food but most of the nice food is actually quite expensive...

However, I am really lucky to find site like www.deal.com.sg  whereby they really sell good deals

For example, some of the deals include more than 50% off for buffets whereby we will pay around 20bucks for a 40+ buffet... pretty good deals especially for me who need to cut costs to save more to pay debts

Currently deal.com.sg is selling Popeyes Louisiana Chickens at Singapore flyer for only 5 dollars instead of 10 dollars.

And another deal i think is really good and worth buying is a 52% off Chong Qing Hot Pot Buffet at Chuan Jiang Hao Zi (Includes Free Flow Dim Sum & Home-Made Green Bean Drink);for 23.80 instead of 49.30

These deals really brighten my days and alleviate my sufferings...

You guys really should visit www.deal.com.sg


Wednesday, November 23, 2011

sufferings a debt is like a illness.

When we are sick we visit a doctor.

when our finance is sick what should we do?

We have to let close friend know or family.

Identify the problem do not be shy about it..

Face it. It is a temporary issue...

Do not leave it into a serious condition.....

When hit ICU, that the critical point. Bank will step in and take away all your procession....

Take note , identify the problem

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Tuesday, November 22, 2011

a gift from boss.


Tomorrow gonna be a busy day for the

port.

Boss treating us good food...

Well have or don have things goes on..

But then my boss consider not bad already...

Help us in lot of thing....

Work happily is a good working environment.

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lunch on a budget....


Having in debt

Lunch also have to cut down too

Office at Tanjong pagar. Food over here are reasonable cheap...

So finding a good food and cheap food don seem a problem... Hawker center sell cheap food some time lor mee at $2.50

Cheap enough to settle a empty stomach.

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internet marketing seminar


Went to a simple seminar. About internet marketing the speaker really a noob I would say..

talk about click bank and Google ad sense.

Now I've learn new lesson about internet marketing.

Moving on today, rushing for train...

Sound familiar ???

Alarm fail to work again...

My lifestyle... Rushing for work..

No life.

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attending short seminar.

Hi Beng Hui, thank you for your registration for the free preview on Internet marketing business. You'd registered for 1 seat for 22 Nov (Tue), 7:15pm-9:15pm, at Stamford Raffles College: 120 Oxley Rise, Imperial House, S(238709). Next to Teochew Building along Clemenceau Ave, diagonally opposite Haw Par Centre. Nearest MRT is Dhoby Ghaut exit B. See you there! Sam

Saw from deals.com its free and decided to visit and learn some skill.

Scam or whatever up to individual.

I need to invest on my knowledge no amount is too little... Any opportunity just grab.

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Monday, November 21, 2011

how Canada do it.


They can do it in 4year I gonna do it in 5-6month.

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working and moody


Back in the office. Where ppl are like zombie working their ass off.

Think I got to switch to zombie mode soon...

Nice tree for Christmas

Think of my lunch later set at $3 a meal...anything exceed I have to responsible for it...

My day 1 of living with debt...

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living with debt (-5500) day 1

Well wake up morning and feel worse...

Check the price and realize I did the right move las night I sell it.

Loss big this time...

Waiting for my HSBC loan to approve and I gonna change my password for poems...and stop playing

Getting rich there's no short cut... There's a price to pay, as well as a. Lesson to learn too.

Train is coming going to be late 730am

And I still here how to reach by 8am..

Sure gonna get F

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reach the edge...

My 5.5k debt.

I had decided to clear bit by bit, but how.

I earn 2k a month as of October.

Had decided to cut off my spending.

Jb food, trip, shopping, movie.

Fast-food

Korea food

Japan food

And all un necessary meets up....

I trying to suffocate myself .. spending time which worth spending.

Later on I will be posing my salary breakdown....

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my first heart attack upon seeing the number of debt.

I am working as a full time in psa for about a year for a shift work, before that I know nut about stock. Till I convert to normal shift from a 3k salary I convert to a 2k salary to help my current manager.


My friend Keith recommend me stock. Urge me to register a account. I trust him and register one. And I start earning a hundred a day... I was telling myself how easy was that.  Do nothing.


And poems gave me 20k to trade. But I have 4 days to exit if I earn enough.


Let talk about my first trade.


Level 3 communication.

Buy price 1.58 enter n sleep... Next day 1.52 I begins to panic...

I decide to call my friend Keith. And he told me sell at 1.57 at least lose won't be that much..


And we proceed to enter China stock... A very risky strategy AUTC from 35drop to 12 and I enter somewhere around 10.6 and exited at 11.40 earning about 600-800

We head home directly. I brought about few lot. 10.40

The next day it drop to 9.8 I begin to panic again...


Very worried I fall into debt.

True enough I fall into the pit... My trade start at end of Sept, I lose about 5-6k today my birthday 21 Nov.


Within 2mth I've burnt the whole hand...

Right now I tellin myself to cut debt... From a previously earn 3k spend 3k lifestyle to a salary 2k plus 5.5k debt.


I targeted myself 6month


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