managing your ka-ching

One more credit card added to my wallet.
It's amazing how i'm able to manage my finances well enough. Thanks to post it notes like "pay $244 by 21/3"

Some ppl think when you have many credit cards, you're just out to flaunt them. What they don't know is, the more credit cards the better (though i would limit myself to only 5), thats because you get various discounts from so many restaurants, retail shops blah blah. Besides, there's always annual fee waiver each time you apply them.

Hmm..but one impt point is, not to be a slave to your credit cards. The banks are legalised loan shark, they charge you a rocket high interest rate of 24%. Talk about day light robbery

The punchline? Cut your cloth according to your coat. Never spend more than what you can afford, otherwise, you'll be in deep shit.

Ooh, tmr i'm going down to Shenton Way. I think i wanna grab myself a sandwich at this quaint sandwich shop i saw the other day.