and ppl i forgot to mention.
i understand they are not obligated to pay for my allowance even
my studies.
so when i start schooling i actually wanted to take loan from
banks but apparently their age over the limit so i can't loan. Then
i took loan from my mom. for the studies and the allowance.
May I summarize for you what you have said and the things
implied. Please don't take offence as this is my honest view.
Story goes:
Sec school ==> Retain, likely because play and didn't do well.
Can only blame yourself.
Then you went poly. Didn't do well enough to enter local U. So you
entered SIM, hence expenses higher than those who went local U. So
it's because of you too.
Went SIM, you started to work part time to fund yourself. But your
expenses are somewhat high every month, and thus you have very
little savings (almost nil I suppose). You splurge your hard earned
cash without any savings for emergency or situations like now.
The problem comes when you decide you want to stop working.
Problems:
1) You continue to spend as much as before, yet you do not have
any income nor did you reduce your expenditures much, nor do you
have any savings. This is poor money management habit right on the
onset.
2) Because you need to continue spending, you splurge on Credit
Cards. You have to ask your mum for cash because you don't have
enough to spend.
3) It's your final sem, and you should be in school working hard
to ace the final exam. Yet you want to continue to go out jalan,
even though without much cash.
Thanks for listening
