I have always wondered why I cant seems to save up money. No matter how hard I tried, how much money I have, I always, always ended up using all of it. Yeah. Money is meant to be used. But not having savings, is like not having planning for future! I am very well aware of that, and feel very furious over myself for not able to save anything 5 years ago, 2 years ago, 1 year ago, or even this year! With the unstable income, I had more reasons to postpone it month after month.. Honestly, I am ashamed of myself. There is a savings account that I opened 5 years ago, that was meant for savings, and yet, it has never crosses 5 digits. I know I have to do something about this. And I have to start now or never.
Looking back, I think I knew why this savings thing doesnt really work for me throughout.
When I was very young, my mum thought me how to save money. She showed me a coin box that looks like tiger.Eventhough we were not really from a rich family, she still gave me coins everyday to put it in. She even teaches me how to save up the amount from my weekly school allowances (which was merely 50cents a day). Frankly, I think I saved alot. And I was happy that I did it. I didnt eat for few days just so that I could insert the coins into the tiger. Savings. For the future. She had always said that. For the future. I was happy to see the bank account number grow too.
But one day, I found out that whatever I saved are all gone. I was furious, and asked my mum about it. My mum said she had to take ‘em all out for family allowances. She didnt explain more. I was even more unhappy with her reason. I meant, it was suppose to be for the future, aint it? I talked back and demanded that she has no rights to take it from me. And those are supposed to be mine! and that I saved it all up with tough work. I defended. What was in my mind was that, I feel violated, and I just want my savings back. But instead of telling me the real reason, she just got madder at me, and said that the money was hers anyway.
I was devastated frankly. And from that day onwards, I didnt save a single cent. I was very mad at her, and I was so convinced that she will take away every cent eventhough no matter how hard I saved. I was only 10 then.
Little did I know, my dad, who had been staying in another states for his business, was going through bankruptcy. His business partner ran away with all the money and left him with all the debts. He lost everything. Lucky for us that the house that we are staying is under my mom’s name. Or else, we will be homeless too. I remembered started to see him more often, and that there were more frequent arguements between my parents. I couldnt understand what were the arguements that they were going through. But it does effect me as a child. And it changed me.
From that time onwards, sometimes my siblings and I get zero allowance for school. But my mom compensate those days with packed food. I also noticed that we do not get to change school shoes as often as last time. We used to get a new pair of shoes every year (maybe also because our feet size gets bigger faster when we were a kid). I remembered I was wearing the same shoes for the next 2-3 years. Until the shoes started to smile at me.
I do not remember how poor we became. But I do remember envying my other friends who had more pocket money than I did. But I never complained. When my classmates were playing with Barbie dolls during the year end at school, I just watched on, wishing I had one. Eventhough I wanted 1 so badly, I never demand from my parents. I knew they will say no.
Then I started to love musics. I watched a girl from my school played the school piano with elegance. I still remember how she looks like, chubby, fair skin with rosy cheeks, wore a plastic glasses, long hair that tied to the back in pony tails, and lots of smiles. The songs that she played was so beautiful to my ears. I fell in love immediately to pianos. I asked her to teach me a few tricks. She did taught me. And everyday during recess time, I’ll bug her to play a song or two for me. I started to learn a few notes. But couldnt play one full songs. And I started to self learned when my uncle gave us a keyboard as a christmas present! (How ironic isnt it? that my uncle will suddenly give us one keyboard when he knew none of us play! I guess, I was thinking of the piano too much that it happened? haha! ).
I tried asking my mum to send me to piano class. She just said”No”. And that shut me up for a long time.
When I reached 15, The minute I finished the PMR test and immediately, went on a lookout for a part time job to fill up the 1 1/2 months school holiday. I knew I was still underage to work legally, but I went ahead and lookout for one anyways. I was hungry for money. And there were too many desires that I couldnt get and I knew my parents will never, ever give me a cent to pay for them.
I found 1 chinese restaurant that was willing to employ me for that 1 1/2 months. I was overjoyed that I just agreed with a merely RM550 bucks pay for 1 1/2 months. To me then, it’s alot of money! (Later I found out that I was cheated. haha!) I worked hard, and learnt all the service tricks as a waitress. (cut fishes, distribute the dishes evenly,yadda yadda yadda). There was a Mientien Captain that was so willing to teach me. I couldnt care less that I had to work until 1-2 am, especially that if there’s some functions going on.
But guess what? I didnt save up a single cent from that pay check. I used up RM100 bucks to buy junk food that I desired and yearn for many many many years, that I was only able to stood there and watched them while the other kids ate them happily. I forgot what I used up on the rest, but I did remember giving my mum another RM100. (I guess out of the feelings of being a good daughter..? haha)
I think I sort of knew that my parents couldnt afford to pay for alot of things when I was young. But that didnt teach me to save up money. I guessed I was scarred once.
But I should not let this interfere anymore. Desires had to stop and I must start savings now.
Yeah. I think I just found the reason why I couldnt save money.