Budgeting

I learned in school or college but never applied it until I owed a house to the bank, which I once thought was an asset but later realized was a liability. Little did I know how this one house could shape my life. It influenced what I could do and how I planned to pay off my first house faster than usual.

To accelerate my payments, I started changing jobs as frequently as possible to get a better paycheck. Living from paycheck to paycheck became my primary source of income, making budgeting essential. I divided my salary into ten parts,  the first part was allocating portions for the mortgage, bills, investments, savings and the second part was to carry the balance paycheck to the next month in case employment was late for payment. To fit everything into my budget, I had to reduce expenses, which sometimes felt like bingeing.

This approach to budgeting required careful management and discipline, ensuring that every expense fit within the allocated portion.