Buyer's Remorse?

Buying things online has always given me that thrill and satisfaction. But not all my shopping experiences have been smooth.

I've experienced non-received items twice, and on both occasions, I bought from livejournal users. I must have lost a total of UD$50. Then, I wasn't aware that I could open a dispute with the seller on Paypal. Should I have known it, I might have been able to get back that $50. This is unarguably a blunder on my part.

This brings me to think about all the kawaii I've bought over time. I'm beginning to have some buyer's remorse, because my recent craze for tokidoki is still very fresh and is getting increasingly overwhelming. I'm constantly having these thoughts; if only I hadn't bought this or that, I'll have more than enough funds to buy two more tokidoki bags! But then again, there's no guarantee in the years to come that I would not have buyer's remorse over the current tokidokis I have!

Even with so many material wants, I'm determined not to resort to Debt consolidation when I start working. Money is useful, but it should never become our master. But if you find yourself in a tight financial situation, perhaps you may want to refer to established sources for Debt help and Debt relief.

Strive to live debt free!

Miss Braches Inc. - Absolutely Chic!

• Ahoy Vest
• Mod Jumper Dress
• The Lucy Jumper
• The Garage Tube and Bolero

I'm utterly captivated by these stylish outfits found in Miss Brache's shop. If I'm not so fat, I might have gotten the Mod Jumper Dress a long time ago. :P That dress is to die for! But with my body size, I doubt I'll look good in any of these gorgeous pieces. T-T

Chocolate! Cheese! Cake! Why on earth were you created???!!! *wails~*

Are your finances under control?

I've taken the Bills IQ test. My score is 93% A. This quiz is actually not relevant for me because I'm still studying, and I have not started work. So what I did was to select answers that I would like to follow in the future.

Have you started any Debt consolidation? It means paying off all your existing loans and debts with a new loan. If so, you are in need of Debt relief and Debt help.

On BillsIQ, there are questions about saving for each month. My ideal call would be about 10% or more. This may seem a bit too idealistic, but if I reduce my retail expenditures on unneccessary items, I might be able to acheive that.

Managing one's finances should start from young, as my dad had taught us. From little details such as setting a budget for one's monthly expenses and keeping records of expenditures, one will be able to set a clear picture of one's finance management and do some positive changes if required. Practice of good bill management is also important. Up to date, I confess I've delayed my rental and bill payments for our appartment a few times. It's not because of shortage. It is due to my hectic schedule that I forgot to pay on time. Not only did this make me feel irresponsible when I realized it, it should never become a habit.

So, take the quiz and find out about more about your personal financial control.