For the first time since my HSBC Red Mastercard was activated, I saw my billing statement at zero (0) balance this August! I would like to thank my Nth Level Friend and Executive Secretary for Finance, Mark, for making this possible. ^_^

With zero (0) balance comes great responsibility… and 10 times more will power on not to swipe it. Hehehe. Now that I’m almost debt free, I’m actually thinking of availing some term insurance (I terminated my old insurance just so I could use the money to pay off my credit card debt). Then again, I think I’ll use my initial savings first to pamper myself by going to Japan. After all, I already have a place to stay there so all I need to pay for is just the air fare. Or maybe I can finally fulfill my since-high-school dream – go to an Asian Cruise! What do you think?