After submitting the debt management program application a few weeks ago, I decided to restructure my home loan and bank overdraft as well.

The appointment with the bank official will be on Thursday before my blackhead treatment appointment.The beauty salon is only a few steps away from the bank.

Hopefully I can lower my home loan installement amount. At present I am paying $605 for my home loan.

I am grateful that God provides me with lots of online assignments so that I can make more money to reduce credit card debt fast.

Being blessed with more money making projects makes me work even faster to complete all projects.

I am not far from my goal of making $100 a day now. So keep on churning out good credit card, home mortgage, insurance quote or wine of the month club reviews.

According to research, fifty years and two months is the average age at which Britons manage to free themselves from debt. Yes, totally debt free.

I am a 37 year-old work-at-home mom loaded with $40,000 credit card debts, $32,000 car loan and $90,000 home loan. I wonder if I can be totally debt free when I reach 50 years old.

If my online affiliate stores and blogs perform well, I have confidence I can pay off credit card debts, car loan and home loan in a few years’ time.

Some friends ask me to check out franchise opportunities. No lah. Not now. I want to concentrate on my affiliate stores and blogs to make money online.

I have to emphasize that the debt management plan service provided by AKPK is FREE. I must keep telling you about this because I found out some Malaysians selling the debt management plan information.

I am pissed off because people like me who are loaded with credit card debts are trying hard to find out ways of paying down credit card debts fast while these Malaysian entrepreneurs are digging money from our pockets for some so-called credit card debt solutions or secrets to pay off your credit card debts in 24 months, 36 months or 48 months.

Of course, you as a credit card debtor should also be blamed and laughed at if you buy those credit card debt solutions or secret tips to eliminate credit card debts in 24, 36 or 48 months.

Check the newspapers and magazines, surf the internet or drop by at the nearby banks if you want to know all the FREE credit counseling service and debt management program.

Enough ranting. Going out to buy a newly launched pimple cream.

It seems that many Malaysians are deeply in credit card debts and desperate to find ways to pay off their credit card debts or restructure their credit card debts.

I have already submitted my debt management program (debt repayment plan) to AKPK. I can only know if the application is approved or not in December. Of course, I hope it can be approved as soon as possible so that I can heave a relief. Imagine paying only $310 monthly for all credit card repayments!

If you are a Malaysian, loaded with credit card debts, desperate to restructure your credit card debts and ready to give up all your credit cards, read my posts related to AKPK the credit counseling agency for Malaysians.

It’s FREE to apply. Call up the agency and make an appointment with their credit counselor.

Again, it’s FREE service.

Due to increasing prices in almost everything, hubby and I must put off our cruises until next year. Even cheap cruises are not to be considered this year.

To save more money, I will cut down on shopping sprees and entertainment. No more coffee drinking at Kopitiam.

Fortunately, I have my PSP 2000 to accompany me. My PSP 2000 bought early this year is really a best price PSP that I will never regret.

If you want to save money, you’ve to look for best buys, best deals, best prices or best bargains for whatever you buy.

Hubby and I were in the city a few days ago. While shopping at a shopping mall, I was approached by a card executive promoting a balance transfer credit card offer.

If it were one and a half year ago, I would be very interested to get a balance transfer credit card. But not anymore. I just want to get rid of my credit cards and credit card debts in 3 to 5 years’ time.

I am praying that God is approving my application on the debt management plan.

How I wish I had come across NetDebt, the nation’s only completely online enrollment debt solution a few weeks ago! If I had spent enough time searching for debt solutions online, I wouldn’t have had to go through an embarrassing and time consuming counseling session again and again. To be exact, I went to see the same credit counselor 3 times.

After seeing a debt management company’s advertisement on television a few weeks ago, I called up the company and made an appointment with a credit counselor. I wanted to know if they had any debt repayment plan or debt settlement program that could lower my monthly payment.

Honestly, I am so tired of making a huge chunk of credit card payments month after month. It’s been more than one year since I started paying down my credit card debts. Unfortunately the 18% interest rate per annum is really unbearable.

The first time I was there, I was not given any application form. The counselor wanted to see my income statement first. Even if I told him that I would fax it to him once I reached home, he rejected. I was quite pissed off at that time, but there was nothing I could do. So I went home.

The second time I went there, the counselor gave me the application form after seeing the income statement. He was finally convinced that I could make certain amount of money every month. At that time I thought I could finally submit my application form.

Unfortunately, the counselor wanted me to submit those credit card statements carrying zero outstanding balance. I found it ridiculous because there was no outstanding balance at all. I convinced the counselor to let me submit the application form on that day and I would fax the statements to him once I reached home. But to no avail. The counselor insisted that I must submit the application form together with all the necessary statements.

Again, I was so infuriated and humiliated. Before I could ask him more Debt Settlement Question, he said he would talk to me when I had all the documents ready.

If I had a chance again, I would choose to do it all from the comfort and privacy of my home. Simply complete an on-line debt settlement solution and wait for the approval. This definitely saves me time and money.

The receptionist at the AKPK office was surprised that it’s possible to make money online selling some acne creams and treatments. She was even shocked when I said I earn US dollars at home. Yes, make US dollars at home in Malaysia.

No doubt, many people are still skeptical about making money online.

I don’t care what they think. I just want to make money online to pay off credit card debts. If my debt management program application is approved, I can heave a relief. The interest rate proposed by the counselor is 9%. This is definitely much much lower than the 18% I am paying now.

I am praying that God make sure my application is approved.

It’s tiring to have run to AKPK three times before successfully submitting the debt management program application.

If the counselor had been very helpful, I wouldn’t have needed to go there for 3 times. He should have told me all the details that I should know so that I got everything ready at one shot. It’s lucky that I don’t live very far away from the agency.

The counselor is not as professional as I thought. I wonder if the agency runs an employment screening first before hiring a staff.