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    ♥Wednesday, July 9, 2008♥

    雯 － Financial Planning
    After 3 years of university, I will be “broke”. Because I have a lump sum of debt to repay, this is approximately S$27,000. It consists of poly tuition fee + university tuition fee + interests.

    Friends asked me to apply for scholarship to pay for my university tuition fee, but I refused. Because applying for scholarship is very troublesome de, many t&c!

    So how am I going to pay such a large sum of money? With good financial planning, I guess I will be able to repay this sum within 3 year bahz! Hope so! =)

    Below is a breakdown of my financial planning, got to be very thrifty:

    Debts = S$27,000

    Expenditures
    Transport
    Bus fare = S$100.00

    Food
    Eating out = S$100.00

    Miscellaneous
    Parents and ah ma = S$500.00
    Debt = S$800-S$1000.00 (average = S$900.00)
    Others = S$50.00

    Total Expenditure = S$1,650.00

    Savings = S$500.00-S$800.00 (average = S$650)

    So roughly, I will need to earn S$2,300/mth.

    In this current economic, is it possible for a fresh graduate without experience to get a monthly salary of S$2,300 after CPF deduction? (Before CPF deduction = S$2,875)

    Haiz

    If I were to paid S$900/mth for my debt, then it will take me 2 years 6 months to become debt-free. By that time, I will be around 26 years old le! Haiz. 我想我这辈子欠最多债的就是学费吧! If and only if daddy is 55 years old, then I do not have to pay the debt! But I will have to wait till 7 years or so before he turns 55, therefore by that time, I will have finish paying my debt le!!!

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