And that is really something you don’t want to say in your life.
One disadvantage of doing your banking online is you can akshully dip into your savings account anytime you need to because it’s just one click away. And I have fallen victim =(
Two days ago I freaked out when I realized how little money is left in my savings account. I have been transferring funds frequently with this thing in mind — I won’t run out of money because I have saved pretty well. And that was a total BS! Because now.. the word I dread the most — I’m broke.
So I have to remodel my budgeting scheme, eh? I would try this Zero Budget where every peso of my income is pre-allocated. I can’t wait for the next payday so I can try it. Also, I would open a time deposit account to lessen the risk of having my savings to zero out =( And yeah, TD accounts have greater interest rates.
*Sigh*
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