Altot I got CC debts & car loan bt I dont hv study loan, mortage... Tt's y I felt how lucky am I compare w/ other ppl who facing bankrupcy, tons of family's expenses & lots.
Im optimistic person, healthy & young, got a steady job & blieve my future wil b better than now.
Im glad wat I was now, CC debts was my fault. I admitted & cnt blame any1, tt's y i tried so hard 2 paybck now. Slowly bt no too late, i guess.
A car was my useful transportation tools, Im car pool w/ my gf. Which cn fully utilise my car w/out waste park at home. v drove so frequently, no matter weekdays / weekend. (either 2 office / shoppin mall, even outstation sometimes)
Cnt save a penny now, as long as i settle all my CC debts. Hopefully wil b done w/in 1 year.
Then wil start invest more in Mutual Funds for long term goals, eg. travelling, apartment & retirement. Will aside 1 a/c as emergency use.
Now Im using Maybank as my paycheck comin in & out ; PB as my future saving a/c. I got holdin a fund too, wil top-up monthly after I getting out of debts.
I felt lucky
October 25th, 2006 at 04:35 pm
October 25th, 2006 at 05:46 pm 1161794795
October 25th, 2006 at 07:53 pm 1161802383
October 25th, 2006 at 08:01 pm 1161802897
Jst now I go surfing onlice, checkin which bank offer the lowest & ez Personal loan. I wish I cn tranfers all my CC debts in2 it.
At least w/ lower interest (9%+) instead of 18%. It wil save me a lot & more less monthly payment. Wil b more comfortable 2 me.
October 25th, 2006 at 08:02 pm 1161802938