I’m having trouble coping with my current employment due to unavailability of funds. My back pay hasn’t been released yet due to certain requirements. My training batch mates and I did not receive our first pay last time. I cannot sleep well, because of the heat (maybe I should opt to buy an aircon!). Last April was a bit of a downturn for me since my expected funds did not come. I was 44.08% below my previous balance and 52.78% below my projection.
The graph also shows my balance as of May 1, 2013. It’s hard to keep up because I keep on sliding back towards my previous balances, I just pray that I could get back on track and pay off my credit card and loans by the end of the year. Currently, I am 39% in attaining my balance goal but sled further from my D-to-E ratio goal at -25.29%. At least the economy is also helping me through my stock shares which is constantly climbing. I don’t want to pull out some shares just to pay off some of my debt because of the opportunity cost that I may incur.
I just hope May 10 comes swiftly and that we would have our full month’s pay by then or else I’ll be crippled by debt. I may have to readjust my projections to incorporate my credit card debt as well.