I am sorry that if you have bumped into my credit card blog and found no offers on credit cards.

You find no recommendations on 0% credit cards, low interest credit cards, balance transfer credit cards, business credit cards or whatever credit cards that you know here. You only see tips and ways to reduce credit card debts or delete negative items off your credit report.

I am a work at home mom who is loaded with credit card debt and is still paying down my debt until today. I started my debt reduction since April 2007. Even though I have stopped adding extra debt to my existing debt, I still need bout 3 to 5 years to fully settle the debt.

If you are thinking of applying for a credit card, you had better not. Use cash.

Oh, ya, you may say that you are a very disciplined person and you can surely pay off the credit card once the statement arrives at your doorstep. Since you are a very disciplined person, I am sure you can save money very fast and use it to buy stuff. So why use a credit card?

Do millionaires get into credit card debts? Only middle income people like you and me get into credit card debt.

Enough preaching. Be a millionaire or a debtor, it’s your choice.

I need to sell more Fenphedra products to pay off my credit card debts now.

Hubby and I will visit my uncle again next week after I finish some of my credit card reviews. Poor uncle, he is still in the hospital. In fact, he has been there for more than a month now.

I was told by by my sister that the high tech doctor who is always carrying his PDA with him has started giving him Morphine injection. 3 times a day. Needing Morphine, a narcotic pain reliever used to treat moderate to severe pain, means that my uncle’s health has gone worse.

Initially I didn’t understand why the doctor is always playing with his PDA. Apparently, his PDA is loaded with free medical palm software helps him immediately access the information needed to make prescribing decisions – such as drug dosing, side effects and health plan coverage.

It’s great that physicians and clinicians can access free drug reference easily and quickly to help patients relieve pains.

“This announcement was paid for by Epocrates.”

My blogging pal agrees with me that we should build up more niche blogs to make money online. We are work at home moms whose income streams come solely from writing product reviews and selling affiliate products.

Having two income streams is insufficient. We are still on the lookout for more multiple income streams.

One thing that separates my buddy from me is that she is debt free. She is living a debt free life while I am deeply in debt.

For the time being, most of my online income goes into paying down my credit card debt.

I still have high hope that I can make $100 daily online.

Aside from accepting more assignments to do, I am building up 2 dozens of niche blogs to sell Amazon, Click Bank and Commission Junction affiliate products.

To be honest, it’s difficult to build up niche blogs to sell affiliate products or make money from Google AdSense. But once the blogs start getting organic traffic from Google, the products sell! Yup … I have sold a few e-books.

Just as I wanted to write one more post to vent out my anger on Streamyx, a buddy called and bid goodbye to me. She’s going to further her studies in one of the renowned cosmetology schools in Minneapolis next month.

It’s a shocking news to me because she didn’t reveal her plan to me at all. Anyway, I feel happy for her.

I always think that beautiful lass like my buddy should enroll in cosmetology education and open her own salon one day.

Since we are good friends, I am sure I get to enjoy discounted salon services. Money saved can be used to pay down more credit card debt.

To apply for the AKPK’s debt management programme, I need to have income statement to prove that I make certain amount of money online.

All my online income is transfered from PayPal to this debit card. I am not sure if they accept my Tune Money Visa Debit Card’s transaction statement. After all, Tune Money is not a bank.

If my application is approved, I will recommend this credit counseling and debt management agency to more Malaysians.