I've been trying to deny the fact that I have been experiencing financial difficulties over the past few months. Basically, it is because I am optimistic that work assignments would increase once a new semester starts in the US. But such optimism contributed to my financial status. With this in mind, I have been using my magic card wherever I go.
I do not usually shop using my credit card. For the past six years, I have been merely using it for new gadgets and for tuition fees. But sometime this year, I must have exceeded my limit that I charged so many things. Thus, I allocate about 80% of my income for the payment of my credit card bills.
I've never had money problems before. Perhaps, because of the fact that I have not been truly independent for the past years. This year, I started paying for rent and utilities on top of my phone bill and my extraordinarily expensive lifestyle. Indeed, independence comes with a price.
Back when I was younger, I have always wanted independence from my parents, protesting their strictness and their tendency to make decisions for me. Had I known it was this hard, I would have savored every minute of it. But at least, I can still ask them to bail me out -- as a loan though.
