An average American has credit card debts worth $6000. The interest rates on credit cards are very high because the credit card company recovers their money from those interests and fees if you default in their payments. They don’t want to suffer any financial loss. If you default in your payments once, the interest rates [...]
Are you tying to qualify for a loan with decent interest rates? You need to have a good credit score before you can shop for the best deals. Maybe, you are not able to save much because of the other important utility bills, food, rent and very little left to pay towards the credit card [...]
There are many things on which a person has to struggle in his real life and out of control debt is one of the severe issues that causes his financial ruin. When someone has to go through such tough phase, it always seems like this is the worst thing to happen and they are buried [...]
Most of the time, people who love gambling can't exercise control on themselves; they are driven by greed. When they are winning, they keep on betting in the hope that they will win more money. Similarly, when they are losing , they think that they can win again or fight back.
If they can treat playing games such as online games, online poker games, online mahjong games as a form of exercising
Once in a while, I am asked by buddies or family members, "You blog about your credit card debts online meaning which family, friends, students, and lots of Malaysians will know about your $55,150 credit card debts. Aren't you scared ? But what will people say?"
"But What Will People Say ?"
Do you often hear this phrase ? How do you answer ? My answer is simple, "They don't pay for my living."
I get frustrated once in a while when my debt elimination progress slows down due to unforeseen expenses and spending. I hate to delay some of my credit card and loan repayments as there will be late payment charges.
To make sure that I can stay positive most of the time, I will hang out at some inspirational blogs. One of them is Karl's blog. I get my daily dose of inspiration at his blog,
My hubby has gone to Ipoh for business again....;D Why am I so happy ?
I can blog to death. My hubby doesn't want me to blog straight for many hours. He wants me to take a break from blogging and writing paid posts every half an hour so that I am not glued to the computer screen all the time.
Besides straining my eyes , it is also bad for health. Well, health is wealth. Without good health and
Some of my buddies are curious if I do my household chores as I seem to be always writing paid posts and blogging whenever they call me. Oopps... I think I am too addicted to blogging now...;D What to do ? I am trying to make more money to pay off my credit card debts fast.
Of course, I do my household chores. Just that I am doing it in a very lazy way. I admit that I am a lazy bone when it
Ten years ago, my hubby and I were 17,000 in credit card debt. We didn't have anything to show for it. It was just an accumulation of purchases here and there. Bad choices, poor decisions, unplanned spending.Today, we are debt free. Actually we were freed from credit card debt in about 3 years after we resolved to pay it all. We do have a loan but it's a mortgage for a beautiful home we're blessed with. Other than the mortgage, we are debt free. It's a very good feeling to be debt free.Here's what worked for us.1. Once we decided, "that's it, and we'd pay our credit card down to zero" - we started an Excell file to record and graph our debt payment. Visuals always help. As long as our graph shows that it's going down...we're on the right track. We tracked monthly. It's really fun to see the slope going down...2. We worked our "okele" off. Hubby had to take a second job with the purpose of paying our debt. He kept the 2nd job for 2 years and once we paid off our la
Working hard and paying off debts all the time is no fun, so I enjoy fun stuffs and entertainment once in a while.
I was recommended to a fun site just now. Don't click on the link below if you do not have the features or characteristics like the gothic personals I mention. You are not qualified to be there. Hear me ?? Don't click or else you will regret !
Check if you have these features or
I believe every woman loves diamond.I do !! Diamond has been equavalent to the depth of love . The bigger and heavier the diomond is, the deeper your love is....;D Diamond is the king of gemstones. It is loved because of its rareness, optical qualities and hardness.
I always remind my hubby," If you love me, here's the chance you shine.I want that little elegant piece that dazzles like no other.
If this is your first visit to my blog. Welcome ! Look to the right sidebar - $60,000 credit card debts, excluding home loan and car loan.
How did you get so deep into debt trouble ? This is the common question asked by a lot of concerned bloggers. Well, through the efforts of my hubby and me..;D..OK..I am serious. What I can say is lack of self-control.
I started off with my very first credit
Credit Card Debt consolidation refers to collating all outstanding credit card debts into one so that the debtor can manage the debt more easily. You may have incurred debts on various things, ranging from a new car, education or other investments. However, the debts incurred on excessive use of credit cards is the most common due to impulse buying.
I am not an expert on Finances; I am not an Accountant; I am not even good in Math. What I am going to share comes from our experience. All I know is that once we were in credit card debt, now we're not.This coming new year is a perfect time to once again examine ourselves. How are we doing with managing our finances?About 9 years ago, we were in a hole. We were $17,000 in credit card debts. How did that happen? I don't know. All I knew was that we were in such debt that we were contemplating on filing for bankruptcy. (That amount may be small to thers, but for us it's huge and seems impossible to pay). We sought wise counsel, and the counsel given was that we should not file for bankruptcy. We should be responsible people, we should pay our debts.Around that time, we also just had our first born child. It was all overwhelming to me to have such debt while starting our "family". I remember being so discouraged. I was desperate. I wrote a prayer in my journal that said "Lord, we are
