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I wrote one of my expenses to be the X mini speakers. Guess what. I applied for this HSBC credit card, and it actually offered me a free gift. And its another X mini speakers! The same model.

Without hesitation, I immediately took it to my office and sold it off at half the price, by just being friendly. If only I had waited, I could have save that $36. Anyway, it had passed already. This HSBC card indeed gave me what it mentioned; with 3 transactions a month, you get a $5 cash rebates.

My aunt too gave me a $100 voucher for a bookstore, Kinokuniya. I ended up buying $200 worth of books. Well, books are knowledge, and I can read them at a later date, since these information don’t go outdated. (I bought all books related to stocks investment etc)

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account
$150 - Profit from US stocks trades

Expenses
$100 Kinokuniya books!
$20 Some Audio CDs. Korean ver - Boys over flowers
$12 A couple of bubble teas. They cost $3 per cup.