MONEY MONEY MONEY


I've realized, as one ages and steps into adulthood, there exist inevitable obligations and responsibilities that one eventually has to undertake. For one, bills and monthly Giro deductions pile up.

Just a few days ago, Voila! I received a letter from the CPF Board to inform me that the S$4000 which I had withdrawn from my parent's CPF accounts (under the CPF Education Scheme) to foot for the last 2 years of my tertiary education is due for repayment soon. Starting from July 2007, as a matter of fact. Amazing, isn't it? It's so hard to believe that it's going to be one whole year since I've graduated from Temasek Polytechnic, School of Applied Science. And, thanks to something detestable and abominable called accrued interest (Darn it. How I hate that word), the sum has snowballed to 4.2K.


Of course, entailed in the letter, the nice guy from CPF Board has suggested that I pay it off in monthly instalments of S$100. I thought it sounds wonderful too - that is, until when I remembered that already, I've a standing Giro monthly deductions of S$137+++ for life and investment insurances, and another monthly deductions of S$45.00 for some sponsorship programme. That makes it S$182+++ per month. AND then, as if it's not enough, I thought of my monthly public transportation fee. Bus concession and train concession - S$97.00 per month (Punggol to NUS! Darn it. It's burning a hole in my pocket. If ONLY I can teleport...). That makes it a grand total of S$279+ per month. Horrors!!!

S$279 per month already! If I decide to add in the CPF repayments, that would make it S$379 per month!!! Not to mention daily trivialities such as food, I've not even taken into account more important stuffs such as tithes and offerings; and it's already S$379 per month!!! The annual maintenance payout would definitely barely be enough to cover that figure of S$379 per month.


But of course, being a full-time student, I'm entitled to deferring the CPF repayment until I graduate from my current institution. But of course, I would prefer not to. That would mean incurring additional interests, and I don't really enjoy the feeling of being in "debt".

So, I logged onto DBS website to check my account balance. I was surfing freely around the website, when the words "Computer Loan" caught my attention. AND then (!!!), I remembered that I've taken out a (interest-free until graduation) computer loan of 2K for my laptop.
My beautiful and lovely eyes nearly popped out of their comfortable socket.


So, I'm now having a total of 6.2K "debt" to my pretty name, and a monthly necessary expenditure (food excluding) of S$279.


AND I want to go for SOT and mission trips, at least once, before I graduate from NUS. And this is already the 3rd semester; I'm only left with another 3 more semesters to go. If not, I doubt there'll be any chances once I enroll into NIE.


Oh gosh. Why can't money grow on trees??? *dreamy*


Anyway, something funny just struck me. Have you guys heard of a fascinating folklore myth that at the endpoint of a rainbow, there lies a pot of gold under the soil?


PRINCESS'S THOUGHT OF THE DAY:
God, let me bump into a BIG pot(s) of gold real soon. Better still, drop them on my lap.