I’ve just done my credit card payment for January, and apparently, I did lots of shopping despite the fact that I didn’t earn much! Actually, I have always been spending a lot, but if I make extra money, I will have more in my saving accounts as hubby pays parts of my bills. I guess I am just lucky, but I know that things will be different once we move to Bangkok.

We are starting the business on our own, so every penny counts. The education fee for my kids costs the most, even if they are only going to preschool. The international schools in Bangkok are very costly, it’s so much expensive comparing to our international school, so I guess most of our money will go for that besides that standard monthly spending. If we don’t plan our money well, we might even need to get a personal loan to work things out, and I would like to avoid this as much as possible.

I know that it’s not hard to get a loan since I get all these calls from banks pretty often, or maybe they are just trying to earn the commission by helping me in submitting the application forms? But too bad, I’m not signing any.