The Future Doesn't Look Good ...

I woke up this morning with a slight headache that I know will increase in intensity as the day goes by. I've gone through headaches like these before so I know it's only going to get worse and I'm the kind who will refuse to take any medication for it. And when it gets worse, my mood is also going to go on a downward spiral.

On top of that, today of all days I take my card statement to work. Whatever compelled me to do that, I have no idea. Maybe the fact that I saw it lying inside my post box while I was about to leave for work must have had something to do with it. And right now, I'm regretting bringing it to work, cos the moment I opened it, my headache went up five notches!

I normally leave all the financial stuff to wifey to handle cos she does a much better job at it than I do. She's very meticulous with the accounts and will keep a list of exactly how much we spend and what exactly we spend it on. It's a good system she has going there and I never get involved in it. If I need to know how much money we have left in the bank, I'll just ask her. If I need to know how much we spent on our cards, I'll just ask her. In fact, when it comes to anything that concerns our finances, she's better equipped to handle it than I am.

So, today I open my card statement at work and am amazed, shocked even, at how much we spend a month on food alone. We shop about once a week for our groceries and it now costs us twice the amount it did just a few measly months ago! I never really took any notice of the increase cos normally when we shop I'll just pay and not really bother about it. I know wifey has been telling me that things have gone up quite a bit but I thought, how much more can it be. How utterly wrong I was.

Has the price of food really gone up by that much? A bag of rice alone now costs twice what it did just a month ago. Thank god I don't eat rice all that much anymore but I still do have to buy rice cos the boys are rice eaters and so is my mom. In fact, the price of everything has pretty much gone up. Man, this is going to take a toll on my finances. As it is, making ends meet is already tough and looking at our grocery spending pattern in my statement, it's going to get tougher.

The worse thing is we don't really buy another different or extra stuff. It's basically the same stuff and what would have cost us under RM100.00 a week a couple of months back has increased by two fold today. It's no wonder we have a world wide food problem. How can anyone afford food with soaring prices like these. I earn a pretty decent salary (well, if you consider not getting a raise in almost two years decent, that is!) and I know for a fact that the times are going to get tougher. Imagine those people who earn very little and have more that 2 or 3 children. Just buying rice alone is going to be a huge problem for them. The future doesn't look really good anymore.

I think I'm going to have to start paying for all my grocery shopping in cash from now on, cos the interest alone on the outstanding payments in my card is killing me. Imagine the amount of money I could save by not using my card and saving on outstanding interest. Every cent counts these days. It's either that or I get some credit card advice on how to get a card with lower interest rates. I'm sure there are loads out there.

I guess the first place to stop would be at Low-Interest-Credit-Cards-Offers.com cos they provide some of the best top credit card offers available out there from companies such as Visa, American Express, MasterCard and Discover. You're able to search and compare up-to-date information of the best credit card offers such as instant approval, low rates, balance transfers and so much more all just at the click of a mouse. In fact why I am I even telling you guys this? Go over and see for yourself. I did and I came away impressed.

Ok, I need to take a break for awhile. My headache is getting worse and it's not only cos of the glare from my monitor.
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