Governer of Cash

Unto one of the comments by my friend, I feel glad, that I have a friend who understand what's my stand of why I do some things that way. It's not easy to find one who doesn't push their ideologies onto you, and even more tough to find one who agrees with you.

Why am I so thrifty, some times my friends may ask. Is it cause I want to save big money? Despite what you may think, It's not. It's not even natural.

Before I came to govern my monies so tightly, I was rather the spendthrift. No one corrected me, and even if they did, I didn't see it as such. In a a single day, I could spend something like this:

Snacks: 1.50
Ice cream: 2.20
Lunch: 12.50
Ice cream: 1.50
Snacks: 2.90
Dinner: 7.60

Take note that the ice creams, and the snacks were not needed cause I was hungry, but rather, I walked past a shop and I decided I had to go for it. My dinner could have been saved by going home to eat, but I chose otherwise.

Essentially, the only relevant expenditure would be lunch and thus my day's spendings should be:

Lunch: 3.50

12.50 is a set meal belonging to cafe cartel, and there's no need to. I'd get my favourite ban mian for 3.50 instead.

So why the change? Why the change of two poles apart? If you don't already know, It's quite hard to get money out of my pocket now.

I've been introduced to the concept that I can change my destiny. I don't have to live such a normal monotonous and uncontrolled and free-flowing life, I can steer my rudders. From there, I learnt about the value of money, and began to treasure them. Then I heard about how every cent counts. One dollar in Ford's teen years could easily be worth 50 grand to him now. That's the scary truth for me and I embrace it with lots of pride.

Otherwise, I know what stuff is coming my way when I do go older. Take the fact that I land a 2,500 dollars salary for my job, I've decided to purchase my house and car at the same time.

My mortgage could easily be:

4 room:[(200000)*{100+20(years)*5%(interest)}]/240(months repayment period)= 1600 dollars

Car: [70000(normal Toyota)*(100+10*2%(10years))]/120= 700

Now just those 2 will be almost all my salary. I've not counted my upcoming wedding, expenses like food, electricity, student loans and car maintenance fees.

so if I am wrong, that's good, but if I am not, is my life going to be a rather harsh one? Seeing things as it appears to be and not even living a lavish means currently, am I destined to be living like that? For these 20 yrs will I be subjected to this 2300 deduction monthly? I can't foresee how much richer I will be then, more than I can currently be. I can't afford to spend unnecessarily, can I?