0.o year end .... financial planner need ~~ lol

OK... here r things coming up~~

+ partly sponsor mom's trip to China
+ chalet
+ 21st birthday celebration
+ christmas
+ new phone
+ new year clothes

@_@ bank balance.... oh gosh kill me plz.. haha... sorry if i decided not to join outings , suppers , and so on...

due to overwhelming expected expenses coming up... i have decide to wait until my singtel line reach 21st month den only i get my fone... sobs...