where did i get wrong?

i guess trusting too much.
i guess letting them depend on me too much.
i guess letting them abuse me to the limit.

but not anymore.

now i am putting a wall.

i am me. you will stay as you are.

you are you. i will let you know who am i.

it is up to you to rest yourself on that space.

a friend. a co-worker.

you can be one of the two. both. or none.

yes, i am disappointed with you.

my plans to be free from my present financial status

I have been working for a decade now. And I can say that I am just starting to save for myself. I spent most of my earnings for my schooling - graduate school, short courses, certifications- and helping my family.

Fortunately, I must say that among my sisters I have the means to help my family. Not only my parents or my sisters but also my nephews. In the previous years, I never thought that one day I would also be in need of money for my hospitalization or for other emergency need. So I asked myself, if this time comes, where would I run to for help? If they are depending on me financially somehow, can I also depend on them in the future?

I have to realistic and practical.

After the realization, I revisit my bank account. Zero. I revisited my debts' list. Plenty. I have three credit cards with which I depend upon for grocery or medicines whenever I ran out of cash. I use the plastic money whenever I want to buy something.

I am not in good shape financially speaking. I have to do something. Or else I will be in debt all my life.

So when I received a big amount of money last July. I saved a portion of it. I used a portion to pay some portions of my two credit cards. I also learned to avail of paylite installment plan whenever I use my plastic money so I will be paid in full with interest of course in a more definite time rather than paying only the minimum amount due or a little over that. If I need to have it paid in full within three months or six months, that is better for me. I also applied to pay my biggest outstanding balance within nine months.

I now spend lesser. I save a portion of my salary in bank. I use a bigger portion of it in my buy and sell business. The money I save in bank cannot accumulate the interest I earn in investing my money in buy and sell. Five peso profit is still a five-peso profit for every item I sell. And I cannot easily have in my bank account.

I intend to stick with my plan to pay my two credit cards and have it cancelled for a while. I will just stick with a single credit card. It is useful whenever I travel and for emergency expenses.

I need to cut back in online purchases. I need to cut back in riding a taxi cab. I need to cut back in buying unnecessary things. I need to cut back in paying for others.

no TV in 2009????

it is not in the philippines of course. who cares about it if that would be in the country. many households have survived without TV so no difference at all if TV will be phased.

but the demolition of your usual analog TV will happen on Feb 17, 2009 in the United States. All analog TV must be replaced with digital TV. so where are they going to dump their waste?

and why am i asking? as if i do not know...

so, let us expect that come months after feb 2009, there will be more TVs in most third world countries.