part 2.

Thanks all for ur suggestions and comments.

Think now my solution is to have 2 savings account. One for emergency purposes, always on standby and one for my wants and needs.

It will take longer for my wants and needs (W&N) to be acheived but well, at least they will be achieved.

I need to go to a bank to open a savings account with no card. hmm..

I will post the details of my W&N account so that people who are feeling rich can help contribute some money to me to let me reach my goal sooner.

Thanks all for your help!