debt and credit

does it make you wonder how many around you actually owe credit card money.. you would like to believe most of us dont as the interest is quite high if u dont pay up.. but in reality, many of us does.. it is not a good habit but then sometimes we cant help it.. it does prove a point also.. actually we dont really have the spending power like we are suppose to.. or do just want the better things in life.. and now with the 50 buck impose on each credit card you have.. meaning most of the people wont generally cut the cards they dont need.. but in fact.. would we.. it is like dammit, i dont have enough cash till the end of the month... so logically we would just swipe the card and use it first thinking we would pay up when it is time.. but as time goes by the amount we pay increase as the usage increase.. then tada.. we are in debt.. i have to admit this.. i use to pay in time and there wasnt any carry forward amount to be paid the following month.. but things got out a hand once or twice.. now... ermm... this is what happen.. but i do feel some do take personal loan to cover the debt in credit card or balance transfer.. i am just thinking.. how or when can we only settle all these debts.. there is a saying once u reach the working world.. u work all your life just to pay off debts.. you would be lucky if u have some savings.. but then it means we are just slave in the system.. i do sometimes envy those you see dont have money worries or those u see in the middle of working time can go around and many around us u think what do they do for a living.. while some work so damn fucking hard, those just enjoy life.. yes i know nothing is easy but then sometimes it makes you wonder it is really worth it.. sigh.. for me.. i do hope to settle my debts ASAP well hopefully before i get older this year.. and have a bit of saving for.. ahem.. my future investment i shall name is as.. hehe... so i do hope most of you dont fall in the credit card trap like i did and many others..

with new year come new beginning.. i hope

hmmm.. everytime when it is new year... we would be happy.. but then come the resolution part.. and things u hope to improve yourself and the usual crap.. yes of cos everybody will try to follow but i can guess not many can do it.. for me the new year is a new hope and beginning for a better year and not to fucked it up.. well as my year ending of 2009 was not a good one.. well it was quite a bad one and so was 2008.. it always happens the same for me that is.. the ending always bad... i dunno why.. sigh.. well the beginning of 2010 isnt so good as i already started with debts.. many many many debts.. sigh.. i work of cos i need to jump ahead man.. this is taking me no where.. but most important i would like be financially stable for this whole year! preparing for well i can say something important that need money.. so for me i just hope everybody would have a better 2010 than 2009 cos it doesnt matter what happen in 2009 as u learn from mistake that is why people make mistake .. but dont be an idiot of keep repeating these mistake.. as for me .. would hope to the better year ahead and hope something good will come out of it.. cheers... to a great year ahead.. *cross my fingers*