Brand New Start - $0 Dollar Savings

As of March 1, 2005, this date will mark a fresh start for me with $0 dollar savings! Fresh and encouraging I am all motivated! Besides home loan and car loan debts, I squeezed every dollar I have and now do not owe any money - which consist of my Mom and Analina as the last 2 persons on my list! I borrowed Analina's savings of about (USD$1000) to help Mom and Dad with their home expenses last year when suddenly my Dad told me he is not working anymore. Then there was about RM$8,000 to decently furnish my mini-apartment that Keith had generously help me put up in advance. Another one was, last year I had received this surprise from the home loan people that my parents single story had an inevitable title transfer fee (not even tranferring any title-man) of RM$5000! There was also a couple of months home loan for their house that I have included in my pay-off list, so right now I am back on $0 dollar savings! I guess, in the next few years, will just continue to pay Mom and Dad's home loan and their monthly expenses (from my future paycheck of course), and at least Analina's got her savings back - all her angpow money! Phew! I am sure there will be more 'surprises' for me to pay this and that, will see how it goes! I'll just stay positive ;)