July 1st, 2007 at 11:27 pm
Car Loan
========
Left 6 yrs 9 months
P.Loan
=======
8.8K - 2.4K = 6.4K
CC Debts
=========
Citi 4k-0.5K = 3.5K
HSBC (M) 4.5K-1K = 3.5K
HSBC (V) 2K-2K = 0
------------------------
10.5K - 3.5K = 7K
------------------------
UT (PAIF)
=========
+28% = $280+
EF
===
0.5K
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April 3rd, 2007 at 12:10 am
BB $650
Car $434
Rental $500
Insurance $200
Citi $200
HSBC $770
P.Loan $400
Mom $200
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$ 3,354(salary$2900+ x-gf$300 + bro$200)
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I swear 2 god tt I really pay hard on my debts... bt it seem like a long way 2 go 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
*Last month spent $110 for jst 2 btls of Corona beers only - SUCKS!
*Borrow CC 2 bro 2 buy his gf bday gift $370... y im so softhearted *sigh*
*Buy a pair of ear rings $130 2 gf -_-"
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March 25th, 2007 at 11:02 am
CC Debts
========
Citibank 4.5K
HSBC VISA 3.5K
----------------
Total 8K
----------------
P.Loan
=======
8K - $800 = $7.2K
Car Loan
=========
Left 7 years
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January 17th, 2007 at 12:21 am
Finally after 2 weeks+ my personal loan approved. YEAH! I can go enroll an IT pro course (eg: Linux/CCNA/MCSE...) & most important paybck half of my CC debts.
Compared with CC 18% & Personal loan 8.99%, it still worth 2 apply it.
My loan amt was 8k, paybck $400 x 24 = $ 9.6k (interest $1.6k + processin fee $200)
My plan
========
$7.8k - $2k(study)
=5.8k - $300 (GF)
=5.5k (HSBC Master) PAID OFF
Still left VISA & Citibank... wil workin on it slowly. Hopefully can paid off tis year (my target).
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December 31st, 2006 at 03:50 am
CC Debts:
Citibank 4k - 500 = 3.5k
HSBC (M) 3.6k + 1.6k - 200 = 5k
HSBC (V) 3.5k - 500 = 3k
#From 10.6k to 11.5k (increase 900 due 2 xmas season)
*Bro stil owes me RM1100*
Tis month spent A LOTS!!! *sigh*
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December 18th, 2006 at 12:06 am
Im plannin enroll some courses in next year 2007. I dont wanna be a Level 1 support in d rest of my life. Therefore, I ned 2 learn some skills & obtain a pro cert b4 I cn changed my working environment. Bt I'm puzzled which courses shld I attends?
MCSE 2003: Security Specialist?
CCNA & CCNP?
Oracle 9i?
Linux: Sys Admin?
Any gd advise/suggestion would b appreaciate, thanks~
Bside, I wish 2 apply a personal loan 10k (courses - 5k ; 2 CC debts - 5k) w/ interest rate 8.99% & 12 months period. I dont know izzit a gd move?!
Since I was pay all my last penny every month 2 my debts. I didnt left any xtra $ to enroll above courses.
My 2/3 paycheck was gone 4 CC debts (i pay 15%, instead of min 5%) & monthly Car installment. If I tk tis personal loan, situation wont change much, jst wil save half of the interest on my CC. (P.Loan 8.99% ; CC 18%)
My Q was shld I tk a personal loan 2 paybck some of my CC debts & enroll some course 4 a better future? Which I cn start immediately bt higher risk...
Or I shld pay bck my debts asap then only save 4 the course fee? It wil tk abt 9 months + 3 months later then only I cn start study, a bit too late... coz TIME = $$
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December 6th, 2006 at 08:26 am
CC Debts:
Citibank 4k - 500 = 3.5k
HSBC (M) 3.9k - 300 = 3.6k
HSBC (V) 3.9k - 400 = 3.5k
#From 11.9k to 10.6k
*Bro stil owes me RM1200*
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October 29th, 2006 at 02:24 am
My up2date debts status on Nov 06
==================================
CC Debts:
Citibank 4.8k - 800 = 4k
BT 1.4k - 300 = 1.1k
HSBC (M) 3.9k - 200 = 3.7k
HSBC (V) 3.3k - 200 = 3.1k
#From 13.4k to 11.9k (pay interest 110)
*Bro stil owes me RM4330*
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