Plans for 2012
My hopes are high for 2012. I am always excited at the prospect of doing better on a new year, only for that excitement to wane sooner or later. But for some reason, I feel different for 2012. Ha! Here are my goals this year: Be a wise spender. This has got to be number one on my list. I want to be able to keep track of how much money I'm making (as if I'm making a lot! LOL!) and how much I'm spending. Last year, I was living on deficits for the most part. Thank God I'm still alive! I would want to keep a 'functional' savings account this year, and not one that the bank is debiting monthly for falling below the average daily balance. Doing my math now, I lost around Php3600 in bank service fees throughout 2011. To my dear bank, you won't get me this time! I HOPE!! Lose my muffin top. This is going to be tough! Alongside my growing appetite, the bulge on my tummy has also ballooned. Literally. It's really awful, my son agrees. TT Hello to sit-ups then....

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