Sunday, September 20, 2009

September

September, for most Pinoys, is the start of the Christmas Season.

For Raft3r, September means something else. It’s the month when HUGE expenses come to haunt me.

On September 08, 2006, I purchased a car – by impulse.

At that time, I was amazed as to how affordable buying a car was. The monthly payment was the mere cost of a mobile phone. It was that cheap. So I thought.

Three years later, I struggle to make ends meet. It was a mistake to buy a car I don’t even need. In fact, the car I bought is seldom used.

Insurance, registration, and monthly amortization were all due first week of September. I had to shell out close to $550.

Raft3r is now dead broke.

Note to self: Impulse buying is no longer a luxury I could afford.

33 comments:

Judayski said...

to be broke and to struggle to make ends meet are uso. conventional ka lang kunyari...walang extrang pera ang maraming tao, why should you have extra money? hehe.

mairaraos din natin yan, yummy friend. "consolidation", hmm, rings a bell? :)

Raft3r said...

judayski, That's music to my ears. Hehe

Random Student said...

LOL pakiramdam mo lab rat ka he-he. Taureans are practical cheapsk -- er, frugal natives of the zodiac. you can't help it. my college classmate just informed me kanina that he was bound for russia today. i asked him why the let-down face? turned out that the trip cost him so much expenses. typical taurean. i can't relate to his see-saw mentality, but i'd love to let you taureans know that once you are on the see-saw, you just have to know that you have another playmate on the other side of the plank. case in point: you need help with that.

gilbert said...

masarap din naman walang pera... makes you enjoy the simple things...

Jerick (the former Curbside Puppet) said...

pamigay mo na lang sakin yung kotse na yan. hehehe. ilang years pa ba?

Raft3r said...

random student, Talaga kuripot ang Taurus? Di ko alam yan, ah. Nyahaha

gilbert, Totoo yan. Hehe

jerick, 2 years pa! Hay.

bestfriend said...

ok yan, good investment yan...depreciating nga lan,, hehehe

Raft3r said...

bestfriend, Yun na yon. Hehe

Anonymous said...

Am glad you have good realizations. Looking forward to your debt emancipation.

Raft3r said...

anonymous, Ang lalim naman non.

abie said...

sabi ko kse sayo benta mo na lang sa akin car mo eh...

Raft3r said...

abie, Bilin mo na kasi. Pati iPhone ko. Hehe

Majoy said...

Hi friend! Nów i understand the reason for your stat message in fb. Nkakainip nga ding antayin matapos ang car amort... Lalo na if the thing you bought is not being used to the max! Kaya ako learned my lesson... Dont want to amortize again unless really needed. I guess the reason for buying my 2008 car in cash... But sometimes naisip ko sana I didnt replace my old car with a new one. Instead i should have used the money for building a new house... Oh well asa huli lagi ang pagsisi. Nonetheless i love my car!

Raft3r said...

majoy, Hehe. Tama ka dyan! Panindigan na lang. Hehe

Wendy said...

Ibang klase ka kasi mag-impulse buy, kotse! Next time yung mas mura na lang - t-shirt or sapatos - para di nakakabroke sa ganyang level! Hehe.

Raft3r said...

wendy, That's a valid point. Hehe

Andy said...

Ninety-nine percent of the people I know are dead broke. I'll soon be part of that demographic. You'll be in good company. Eheh.

Raft3r said...

andy, Yehey! Let's celebrate!

w.a.i.t. said...

Raft3r, Impulsive din ako pero kotse!
grabe nman hehe.
Ngayon kontrolado ko na : P

Random Student, I'm skeptic when it comes to astrology and predicting our behavior from the stars : P

Raft3r said...

w.a.i.t., I know. I know. Tao lang. Nagkakamali. Hehe

RaYe said...

aww... reminds me of old days, when i'm still employed.
hahaha..

now that i'm a bum, i get to enjoy the simple life.. kaya lang, nami-miss ko mga nakagawian ko:
lalo na ang mamili pagdating ng "ber" months.. lol.. :D

Raft3r said...

raYe, Ika nga ni Gandhi: "Live Simply. So others may simply live."

hitokirihoshi_kawaii said...

wawa!

ang pagsisi ay laging nasa likod ng kotse.

charot! OKAY lang 'yan, alam kong malalagpasan mo rin yan.

tingnan mo itong ibinibenta kong condo at kotse... maganda at mura pa, tanggal lahat ng hinanakit mo sa buhay. hehehee

len said...

I uber love September! hehe

Sometimes we really have to learn the hard way.

Raft3r said...

hitokirihoshi_kawaii, Naks. Businesswoman! Hehe

len, Hehe. Ang sakit. Talaga. Hehe

hitokirihoshi_kawaii said...

ei rafteralam mo ba kung bakit love ni len ang sept? birthday nyan ngayon... hala batiin mo ang nagkakaedad. dali! hehehe

Raft3r said...

hitokirihoshi_kawaii, Kahit di mo pa ipaalala. Sabi nga si Pareng Facebook birthday ni Len ngayon, eh! Hehe

pete said...

Ibenta mo na yan kasi.

Raft3r said...

pete, Ang daling magpayo. Ano po? Hehe

pete said...

ang bilis ng paradigm shift ah!

Raft3r said...

pete, You know me. Hehe

Liz said...

Dyan naman magaling ang pinoy, making ends meet. Pero at least you've learned a lesson, ngayon hindi ka na impulse buyer, hehe.

Raft3r said...

liz, Nyahaha. Oo. Sana nga. Hehe