well, i just received my payslip and my salary deduction is now upto 5%. i did feel this change a bit today because i used my credit card for some of the bathing clothes i bought for our vacation. they are due early next month so i paid up some of it and will pay the rest end of month. i felt that i could have used the extra cash that was deducted from me to pay more but then i SHOULDn’t be using my Credit card in the first place. lol.

But i’m still good. i’m not paying any interests and as per my budget plan which is SO helpful to me, I will be able to pay all my debts on time. in fact next month, i’m looking to save an extra 7.5% and put it in the bank!

if i meet this projection, i’ll be reassessing my contribution and maybe have it become 7.5% on May. :)