You think you are all grown and can handle yourself until you get to the university, the polytechnic, or anywhere you have to spend a few years without your parents breathing down your necks. That’s when life throws your first real test at you – how do you make sure you don’t go broke? The bad news is that your money is never really enough, and it doesn’t help that you always have this lingering urge to spend.

This happens in stages, so let’s break it down, shall we?

1. Heavens smile on you and you get a credit alert

It is not 30 billion dollars, but it is just enough for you to enjoy your life. You are addicted to cash, but you like spending it more. I mean, what’s the point if you don’t know how to spend it?

So, you settle your debts, upgrade your closet, and do other stuff. Suddenly, the idea of cooking seem very foreign to you and the sight of your room irritates you, so you get out every chance you get.

2. You can’t stop spending

At this point, the voice of reason you’ve trapped deep inside your subconscious is fighting to get out. You can hear it now, but will you listen to it? Nah. You know you should get a grip, but you just don’t see the need to.

3. You won’t stop spending

Now, you’re beginning to realise how much damage you’ve done to your purse. But then, the genius in you thinks that is the worst that could happen. Besides, You Only Live Once. More than ever, you are determined to live your best life.

4. You don’t have anything to spend

You’ve lived your best life and now, you have to reflect on how fast it went. You check the calendar and realise that you won’t be getting any alert any time soon.

You swear to be more careful with money going forward. Hahaha. That’s funny because you couldn’t if you tried.