stupid la.. lost my wallet with my ic again... ><

This made me come to 2 financial situation..

1. cancel my LTC trip and claim back the 600 dollars.. even though i can claim it back from edusave..

2. cancel my insurance savings account.. lose 850 bucks though i do no need to pay this year's one...

zzzz life sucks la..=(
pls give me advise..