household budget

last nite i did a household budget and presto it was a moment of truth for me....... that there are many fixed cost which i cannot avoid e.g. rental, car loans, road tax, car insurance...

the others which i can try to save will be utitlities bills (don't use too much aircon?), hp bills (talk less?), pocket money (cut down, cook and eat at home more often?), cease music lessons (luxury?), etc....

good thing i actually sat down and do a simple calculation coz now i realli have to seriously consider whether i can put ben thru university

he said: i can get a scholarship!

i said: you think so easy meh! (i am secretly v happi he said it)

he said: can we break the lease here?

i said: leh cheh lah wait they forfeit our deposit.....i already sank it money to paint and do up this place.... just stay put! this is a good place for you to study and do well for your O level... we can stay here until u finish jc1

he said: hmmm.... can we stay here until i finish my A level? if you could still make it....

i said: when the time comes, we shall see what is the situation then and of coz we shall go for the best option

ben said he noes what to do and how to cut down on household expenditure... he is trying
i am glad i showed him the spreadsheet and roped him into brainstorming ideas
he wun spend unnecessary money from now on
i can try to squeeze some money out for a small endowment plan to help defray some future university costs.... i am realli trying