make 2007 my best year yet

Just realised that you all are making the entries with the same format. I will try to find one :)

Dear future self,

After rough budgeting with this and this, we found that you have to expect a deficit of RM3206.77 for 2007. That’s about RM267.23 per month if you earn the same amount as you were and spending as you were. We suggest for you to take major safety precautions to prevent such a bleak future.

Stop acting like you have money because seriously my dear honeysuckle, you don’t.

Reduce those whiny ‘I need this, I need that’, ‘I want to buy this’, ‘This is a good deal’. What the heck?

No more impulsive spending. A good man should control his impulses like monks :)

Settle your insurance limbo once and for all. You want this or this or that or you want to stick with my group plan? It’s been one hecken year! You might as well die of calculating and recalculating and recalculating the plans.

Realise and live with the mounting evil of credit cards.

Realise and live with the fact that ‘low risk reaps low gain’ and ‘high risk might also reaps low gain’.

Try more agressive unit trusts or even try stock exchange with less tha 10% of your savings

Work part time.

Regards,

Positive-Present-Self

has been wonderful. It is actually my best year since 1999 and I hope 2007 wil be so much better in every sense.. Looking forward to draft my resolutions…