my to-do list as of Feb 2006 ...

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with me staying put in chass for the next couple of months ... (dun even wish to tink couple of yrs) ... guess it's time to pen down some tots ...

my decision factor ... FINANCE ... DEBTS ...
with the proposed increase in pay of $2400 w/ $300 allowance ...
i would be drawing $2200 at least (not deducting others like phone bills and all that)
at least i wld be bringing back abt $2k a mth ... that wld be abt $200 more than past 5 yrs ... better than nothing ...
unless someone out thr offers me $2800 and no less ... than it will be in par ...

1. clear my debts ... in total abt $20k-$25k .. say include all charges and all ...
if i allocate abt $1k a mth to pay all these ... that will take me abt 25mths to clear ... that's abt 2yrs and 1mth ...
once it stabilize ... i want to make sure i pay them on time and not late ... so to avoid any late charges and all ...
so i'm determine to settle them within 2yrs max ...
UOB $1582.81 (as at 30 dec 2005)
DBS VISA (still active) $$1388.26 (as of Jan 2006)
DBS MC $1847.65 (as of Jan 2006)
Citibank $5205.84 (as of Jan 2006)
Amex $2300.60 (as of Jan 2006)
SCB (3459) $3649.43 (as of Jan 2006)
SCB (3467) $3313.98 (as of Jan 2006)

2. others bills i had to clear
M1 ...
courts ... to make sure i pay on time (so that i will not be paying arrears) ...
dad ... my phone, ady's phone, school ...
awi ...

3. Need to carry on to take my car license ... since i've pass my FTT ... might as well proceed to take up my driving lessons ... at most if i can allocate $100-$150 for my lessons ... good enough ...

4. SAVINGS ... need to start savings ... will need to sound Ady to save up together ... not becos i tink we are gonna hook up together ... or be married some day ... but i tink since we both are spending together ... then it's only wise if we both stash out some cash each mth in case of rainy days ... at least a min of $50 a mth ... that will total to $100 for both ... and within 6 mths ... we would already have $600 in savings ...
let me sound him and see what he says and tink ... if he says no ... guess i'll save up for myself ... -> Spoke to ady abt it ... but before that he said that he is starting the 'senoman' thingy w/ his guys ... $100 a mth ... he'll probably take the 6th or the last ... said it's like savings too.
didn't reject my idea nor he said ok ...
so what now?? save??

5. travel ... tis got to wait ... the more immediate ones will be diving ... need at least $500-$600 at least ... trip and all cost abt $500 ... maybe another $100 for expenses and all ...
-> he said he's going batam or bintan ... chass is bringing us to batam tis 4 march. yet to tell him ... dunno how to ... he already said that i can't travel for the next 2-3 years ... except to m'sia ... but no whr further than that ... not even batam ... hmmm ... how?? to lie?? or to tell the truth?? if i tell the truth ... he will end up going there as well ... arghhhh ... which i'm rather reluctant ...

6. masters? degree? guess this will wait ... maybe before i hit 35 ... and by then i must make sure i've settled all my school debts with my dad before i start a new one ...

7. for Ady ...
- he wants to get his license too (he will have his first definite) ...
- get his starhub cable sign up and installed ...
- maybe he can get his scv tv ... not necessary ...
- once he gets his license ... we can probly get a van?? or car??
- wants to go for his shipping cabling course thingy ... (most likely)
- final in the list to get his identity back ...

one thing that i'm sure i manage to see changes in him ... he celebrated raye last year ... w/ the renovation, the new furnishings in the hse ... he went to geylang to shop for carpet and all ... he took raye photo ... even went out raye on the first day till late (w/ hairil's car) ... that's a change that i see visible in him ... and i'm happy for that ...
maybe some day i get to see him pick up that guitar and play again ...
maybe some day i get to see him stash away her photos ... or maybe keep it out of sight ... and definitely not in his phone ...
maybe some day i dun get to know that he make new girlfrens ... stop makng dates behind my back ...
doubt he'll go holiday with me ... but if someday he does ... it will be a bonus to me ... and i will make sure i behave ... talk when he talks ... shut up only when i have to ... hahaha ...

not forgetting the short term debts that i have ...
- ayu $50
- erica $60
- zp $30
- zalinah $100
- salina $200
- sharon $100
- kwee lee $150
- adik $35+$50
- ming $1500
- karen $900
- cik maria (KL) $250

the ongoing bills
- singnet
- ady singtel
- starhub cable
- starhub mobile

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