Anyway, I sometimes wished that I could save enough money to pay for a down payment for a house mortgage amortization or a family vacation spree at Westgate. But my income is not yet enough for any savings plan for the future but only for buying our basic needs and paying some of our outstanding debts.

Oh well, I know there is still hope. Having faith in God and seeking practical wisdom to solve financial difficulties, I am sure that someday I can start saving for my wants and dreams for the family. As for now, I am motivated to meet our needs and pay our debts.