debts

this month, for my very first time, i experience owing people money. i have not really managed my money well this time round. guessed my preoccupations with my studies and work had distracted me from these issues and that by the time i start looking into it, it was too late. this was made worst by my over-commitment of my cash to partially repay my housing loans last month. i need to wait for my july bonus to clear off these issues. but for now, it's overwhelming and it's stressful. sighs...

housing loans, income tax, road tax, car insurance, annual insurance payment, regular monthly bills, hospital bills, medical bills for parents all come at the same time...