Learn to be more responsible like a single mother

Dec. 24, 2018

Introduction

I had a young sister who is a college teacher over 25 years. She talked to me recently over 20 minutes, and then she said that she has responsibility to her daughter. I like to do research about responsibility. And she advise me since I stay single all the time, I have not developed the sense of responsibility enough. I like to write a code blog to push myself to research on this area.

Stay single but being responsible for myself

I like to use this to explain why I had impulsive shopping in 1999 with a brand new Ford Explorer, in 2002 impulsive shopping laptop, in 2012 one month long vacation with over $5,000 Canadian dollars.

As a mom with a daughter, my young sister tried not to pay any money instead of offering service. She lived with my late mom 8 years and worked as a college teacher and let my nephew stay with her as well, she can offer guidance on his study as an aunt, a college teacher.

I did the opposite over last 20 years. I paid all expenses, I chose not to say no to payments. I paid all expenses for those vacations and a home for my mom.

I have not changed my decision making process, I think that I should make changes in 2010 after I failed so many things and not so positive future ahead financially and career wise.

I had so tough time from 2002 to 2010. After I landed in Canada in 2010, I was over 40 years old, my asset in Canada is $15,000 dollars, but I had loan over $38,000 dollar on my condo.

I still paid $1,000 Canadian dollar cash to my mom even though I was in tough situation starting form 2010, I had no security with the current job, I did not have enough asset in Canada. I need to learn to negotiate with my sisters, my rich physician sister and high paid school teacher should give more support compared to my financial difficulty.

My younger sister chose to argue and negotiate hard to avoid pay using her cash. She chose to use those money to invest on stock market. She was tough to handle sister bully and be very tough for controlling expenses.

My young sister never had the chance to make high salary as a college teacher, but she learned to purchase stocks, and learn how to learn by herself to make profit in the stock market.

I decide to choose my young sister as my role model, I need to push myself to learn how to develop more responsibility and improve my decision process.

Being responsible 

I have to carefully review my attitude towards money. I have to carefully document those mistakes I make over a few decades. And I like to find areas I need to work on.

It is never too late to fix things in my life. I am a strong problem solver and I like to adapt my talent to my personal finance.