How important is a Good Financial Health to you?

I wasn't taught the importance of monies, let alone savings since I first got contact with the currency. I can safely say I got whatever I want (nearly) since young. When I graduated and started working, bought whatever I like with my paycheck. When my credit card and other bills chalked up, I'll find ways to pay them.

I don't have a healthy financial portfolio as I have many commitments and I dare say I spend more than what I earn. It's really high time I should be doing something to salvage or improve the situation. Will there anyone out there who can help me when I really need them? How many times can I turn to anyone for help? I am always full of envious when people around me can afford to get whatever they want - luxury goods, a good holiday, a new car, etc. I know seriously I need to start this habit now before it's too late. I need to save for the rainy days... and to better other days ahead!

I made time to visit the bank to open a savings account weeks back. It was a tough decision and a big step for me to take. But this time, I am really firm on starting on the saving habit. I declined on all applications (ATM and debit cards, internet and phone banking) that could help in easy access to the monies. I know I am not disciplined enough to set a certain amount for this savings account, thus a fix deposit account, SAYE or similar accounts are not in my options list. Of course I've got a regular savings account - the fund's always flowing outwards. And this account will strictly have no outs.

I'm sure I can do it! Especially when Isaac's considered very disciplined in this case, he had helped me with my finances and gave me advises and cautions on when to be thrifty. I'm so glad I have him!