Thankful...
2008 has been a crazy year for me.. changing jobs mid-way and breaking up.. but now that most of the dust has settled, I'm very grateful and happy with my finances now.. Firstly, the company car benefit - have paid off my car and now don't need to service that loan anymore! yay! Now, just need to pay for Pa's car but luckily it's cheaper as he got a good trade-in value on the old car.. Second, managed to refinance my house with an OD at a decent rate - not the cheapest - but that's the premium to pay for the flexibility, now I can pay down much faster and have the option to redraw if need be.. love it! Also, I can consolidate all the credit cards at a MUCH lower rate than 18%! aiyo... just have to make sure I don't go crazy with spending again Third, unexpectedly got a bonus despite being with the new company for less than a year.. err.. less than 6 months actually, but Boss said he's happy with my work wor, so ok lor, take it lor.. :) well, means I'm l