I just received statement from my apartments. Meaning, we need to send over our cash to them for maintenance fee and also to the home owners insurance companies for the fire insurance.
I don’t like end of the year and beginning of the year lar. Money always flows out more than money flowing in. 
Birthdays, Christmas, Insurance, Maintenance Fee, Kindy Books, School uniforms and shoes, and last but not least Chinese New Year.
When I was still working, at least I have one month bonus to bear some of those expenses. Now that I am a SAHM, everything has to depend on the business income. Business income for year end is often low and we are praying that January income would be able to “help” us out with all those expenses.
Stumble it!
