| DEBTS |

This is separate from my previous post on Financial Planning. This is to be paid off using my ad hocs income (not from my main source of income).

So my goal is to clear all the debts I have with these people by end of this year 2020.

But to retrieve back my money which I've loaned out is merely impossible. I could use the amount owed to me to clear off my own debts if they were to be paid back to me.

But it seems useless despite giving hints and asking when, they would just disappear into thin air and appearing again thinking I've long forgotten about it.

And for that $26k, I could use it to make my own kitchen cabinet too if needed.

Some are still in my list here and if you think you are one of those mention who owes me and thinks you wanna live in peace, you can always pay me back but if you wish not to, just so you know, I will never Halalkan even a single cent because when you needed me, I was there for you despite myself struggling at that moment.

To those who said I am living my life, yes I am. But I am living my life while still clearing off my debt even if it means paying off $10 a month or even $20 or $50. Some would say, "Ape rase bayar sikit2 gitu."

At least I got the decency to pay off rather than not paying at all and act like as if I owe them nothing when contacting them.

When I transferred the amounts, some ask what money is that and I have to tell them that I owe them that certain amount last time to which they replied, "Oh is it? I don't remember at all about it."

I live paycheck to paycheck while still raising my 4 boys and struggling daily but at the same time, I know what are our needs and wants and how to budget my expenses monthly without overspending further and accumulating my debts daily.

Some ask why do I do odd jobs and how do I earn charging such small amount to customers?

Well you see, I put myself in their shoes before charging them. It may be their wants and some may be needs so I try not to overcharge over what I am capable off and what they can afford.

Lets say I want additional $100 this month. I'll just work extra hard for $100 but whatever else that rolls in, Alhamdulillah - its a blessing to pay off more debts and unload my stress.

Everyone have debts. Whether you remember it or not.

And by charging $2 per sticker copy could help me clear off a tiny bit of my debt, I am glad.

This is my financial burden I have been hiding and its time for you too to clear all debts even it takes a longer time.

Set a goal this year to do something which have been a burden on you - money can split families apart, ends friendships and break everything else.

Start acting on it rather than worrying about it.

And that is what I learn when I started to do Mary Kay as a side income. To be financial free is one of my goal and it definitely is true!

Love,

NA