Prior to setting my foot in going abroad and with
the knowledge of how much I will earn, I prepared a detailed excel spreadsheet
of how much of my monthly salary will be allocated to paying my house mortgage,
monthly allowance/allocation for my parents, food, rent and other possible
expenses that I may incur. I never had
put aside something for savings/investments on my spreadsheet, because I have
lack of knowledge about the investment instruments that I can possibly get
into. The topmost priority during that time was instead of paying my house for
21 years, I will strive to achieve to pay it within my 3-year contract abroad.
Armed with this, I had myself ready for my
financial and career journey.
But eeeeek!
