HALF A MILLIONAIRE

Having a monthly budget is very crucial because it keeps one’s spending habit in check. The monthly expenses listed in the below table are very much constant. The areas that we can cut back are cell phone, cable, internet and home phone. Our family’s cell phone plan is the cheapest one. We need our home phone for international calls. We do follow our favorite shows on television. We use the internet for everything. In the future, we will probably cancel our landline phone because we can use the internet to communicate with our friends and family abroad. However, sometimes it is more convenient to phone someone directly than to wait for each other to get online. Therefore, we are still undecided about the issue.

It is totally true that a budget can help one see and understand one’s monthly expenses. However, I would like to direct this topic toward one’s internal self. It is all about focusing on the right areas of life. For me, my health is my first priority because I love life, so I exercise to strengthen my body and mind. A strong spirit keeps mental diseases away and guides one toward true happiness. When one is truly happy from the inside, materialism vanishes. Therefore, the risk of overspending decreases. It is like driving a car. A first-time driver always meticulously follows the lanes on the road because he wants his car to be perfectly in the middle of the two white lines. However, for an experienced driver, he is able to navigate freely and safely on the road without focusing on the white lines. Personally, I believe that keeping a monthly budget is important because it gives a summary of one’s expenses and prevents one from overspending. The numbers in my budget are my white lines, and I am an experienced driver.

A friend tells me that money is the most important thing in life, and he just wants to concentrate on making money because without it he cannot support his life. I agree with him that we all need to have money to support our lives, but it does not have to be first on our list. Life is a number line that starts with birth and ends with death. Along it, one will have to make the right choices to be truly happy. My goal is to be half-a-millionaire.