*Regret*

regret that why last year dun listened to vanessa and good learning of mortgage and insurances
regret that why never hardworking and so playful around
regret that never save extra money
regret that never appreciate anything with my life


sometime is alot of question mark came out of my mind..
even though i was regret so much of things
but i will go forward nex step and wont waste my time to make myself regret nex things

nex yrs planning..
I MUST earn within 4k per month
I MUST tRavel overseas and bring my mOm along^^
I MUst be More INDEPendEnt