how to pay lah ??

I'm scratching my head thinking the strategy to pay for my next two modules. Ironic enough, it's for B820 Strategy and B821 Financial Strategy. The total cost of the two is over 10K CHF, an amount I simply do not have now. I have applied to withdraw some money from my EPF (Malaysia Employee Provident Fund) account but this will take some time within the next 3 weeks or so before I receive the cheque. Totaling up the major commitments I have between now and October, it's a huge challenge:

1. 1000 CHF up-front for revision of family health insurance (although this results in lower future monthly premium) ... due next month

2. 1400 CHF final payment for renovation of my apartment unit in KK ... due next month

3. 18K CHF for 2010 provisionary tax by 31 October

How much is in the bank? About 19K CHF.

Forecast saving from now till end October:

2K CHF x 4 months = CHF 8K

Expected from EPF = CHF 7,4K CHF

So ..

What I have now: 19K CHF
Minus course fee: 11K CHF
Minus contractor: 1.4K CHF
Minus insurance up-front: 1K CHF
Balance: 5.6K CHF
EPF Withdrawal: 7.4K CHF
Balance: 13K CHF
Saving until October: 8K CHF
Balance: 21K CHF
Minus tax: 18K CHF
Balance: 3K CHF <------- DANGER POINT!!!!
Saving until April 2011: 12K CHF (2K x 6 months)
13th month salary Dec 2010: 10K CHF
Balance: 25K CHF
Minus course fee: 9K CHF (FINAL PAYMENT !!! - if I don't fail anything!)
Balance: 16K CHF
Bonus: 8K CHF
Balance: 24K CHF
Saving until October 2011: 12K CHF (2K x 6 months)
Balance: 36K CHF
Minus Tax: 18K CHF
Balance: 18K CHF
13th month salary Dec 2011: 10K CHF
Balance: 28K CHF

Saving until October 2012: 20K CHF
Bonus: 8K CHF
Balance: 56K CHF
Minus Tax: 18K CHF
Balance: 38K CHF
13th month salary Dec 2012: 10K CHF
Balance: 48K CHF

Saving until October 2013: 20K CHF
Bonus: 8K CHF
Balance: 76K CHF
Minus Tax: 18K CHF
Balance: 58K CHF
13th month salary Dec 2013: 10K CHF
Balance: 68K CHF

Saving until October 2014: 20K CHF
Bonus: 8K CHF
Balance: 96K CHF
Minus Tax: 18K CHF
Balance: 78K CHF
13th month salary Dec 2014: 10K CHF
Balance: 88K CHF

Saving until October 2015: 20K CHF
Bonus: 8K CHF
Balance: 116K CHF
Minus Tax: 18K CHF
Balance: 98K CHF
13th month salary Dec 2015: 10K CHF
Balance: 108.4K CHF

Saving until October 2016: 20K CHF
Bonus: 8K CHF
Balance: 136K CHF

pergh! at the current rate it'll take another five years before I surpass 100K CHF savings!