28/06/2021
I saw a post about how to get out of poverty, manage finances and protect the family against uncertainties. These concepts made sense, but "duh, blah! blah! blah!"
After 5 years of working, I am dissatisfied, tired, no savings, lots of debts and still struggling, saw another post about learning how to manage finances but my pride was holding me back cos "why should I listen to someone like her, I am a professional with lots of titles."
After a year, she dared to message me inviting me to a financial literacy class. I seen-zoned her. But she kept on pursuing her invitation. I made up excuses because she was so annoying.
After a year, I still saw the same kinds of posts and she was still sending invitations and I realized, I am not going anywhere with my current situation, and soften a bit saying to myself "why not give this a try".
I listened to the talk and all she said was correct. I don't have any savings and I don't know where all my money went. I realized "I do need to save because I am not getting any younger."
But I couldn't give up my luxuries, my Starbucks coffee, my branded clothes, so I ignored my realization and procrastinated saving for my health and my future because I was still capable and healthy anyway. Saving for my future can wait.
After a year, I got diagnosed with kidney failure, I needed to do regular dialysis, I didn't have any money and my debts piled up like hell. I remembered her. I approached her and asked if I could get a healthcare program but she said I am not eligible anymore to get one because I am already sick.
Lesson: I declined healthcare and savings because I was healthy. Now, healthcare declined me because I am sick and I couldn't save a single cent because I have lots of debts.
"Fix the roof while the sun is still shining. "
CTTO