budget

when i was in hell last year, i managed to be ok and was able to save alot.... but now, it's getting harder to get by and it's not ever close to have some savings... and so... i've decided to sit down to calculate and budget...

it looks like i'm starting to see what KL life is about... it's just about working just to pay bills... and not working to save for the future.... and THAT's why, so many ppl out there are finding second jobs or joining a networking group to earn that extra cash and have more "freedom" in life....

but i for one still believe in the "sikit sikit nanti jadi bukit" saying.... and there's no such thing as easy money... to me, to get that "easy" money, u got to spend money first... but then again, it's just my hard skull keeping that belief in... there may be other better ways, but i'm still not convinced...

so ANYWAY.... i still need to get things straight on my monthly expenditure and annual expenditure... and i don't even have a credit card yet!! omg... just imgine if i had one.... i'll be in debt!! no wonder my dad told me NOT to get a credit card.....

does anyone know a financial planner... for free?? heheheh