I've been having a hard time copping with my new lifestyle which also affect my travel fund because I didn't plan on any emergency money or anything. It results in me spending my money in there and I completly lost track of it again... Another thing which bother me is that I don't have any warm enough sweaters in my closet and it's getting colder and colder where I live which mean that I have to go shopping again. The good thing is the January big winter clothing sales.

I was embarrased to write everything down for the year 2007. However, I've been doing pretty good in 2006. I came to realized today that I must face this before it's too late. I know I need a budget... But how can I make one that I will stay committed to? I guess I need to figure it out myself. All I know is that I need to priorize some things before the others.

Maybe I need to put the money that I have left in my travel fund in a mutual fund. I'll talk with my financial advisor tomorrow about it. I'm feeling the need to start all over again. I need to feel poor again. XD

Here is what I jot down that I might put in my budget #2.

Budget #2

Things that I need:

- School bus pass: 42$
- Phone bill: 37$
- Go out and stuff: 30$
- Beauty: 20$

Things that I want:

- Jewelries : Need a new one at least once a month but can do without (~10$)
-Yoga class : Take one at local place 2nd semester
-Dance class : Take it with friend at the 2nd semester
Language class: Take it at the 3rd Semester