Thanks to my debt management program that I am able to concentrate on my online business.

Prior to the approval of the debt repayment plan, I had had countless of sleepless nights.

Due to lacking in sleep that I couldn’t build up my niche blogs as fast as I wanted. The articles written were also not up to par to be submitted to article directories.

Sometimes I also mixed up the links of used cisco with some debt consolidation loan links. But from now on, I know this silly mistake won’t repeat.

I signed the AKPK debt management program offer letter yesterday. Yes, I am now under the AKPK’s debt management program.

I am so relieved now. Though it takes longer to pay off my credit card debt, I don’t mind. As long as there are no more phone calls and legal action notices from the banks for some time, I am fine with 5-year, 6-year or 8-year repayment period.

Just give me one more year to build up more niche blogs and stores. By then I can make full payments for some small amount of credit card debts and thus shorten the repayment period to less than 5 years.

The AKPK debt management program counselor called yesterday morning! Finally, the call that I was waiting for so long came.

I was told to go to the credit management agency this afternoon to sign the debt management program offer letter.

Until now, I still can’t believe that I have got the debt management program. Does signing the offer letter mean that my debt management plan is approved?

I think I will only believe it’s true after I sign the offer letter this afternoon.

As I have no more credit card with me, I can only use cash in future. If I want to buy cheap stuffs like groceries or expensive gifts like engagement rings, I must use cash.

The huge packages sold at warehouse clubs and some supermarkets aren’t always the best values.

Some products cost less per unit in smaller sizes, especially if you shop the sales and use coupons.

Check the unit price on the shelves, and compare to smaller sizes.

Also, consider how much you can realistically use before an item spoils or expires. A $5 bag of apples on sale for $3.99, for example, is no bargain if the fruit goes bad before you can eat it.

I read that some bloggers’ PayPal funds were delayed too. Like me, they have already requested PayPal to trace their funds for them.

But how long does PayPal need? It’s been two weeks since I requested PayPal to trace my funds.

I need the money to buy an online business that my blogging pal recommended. She came across the small business for sale the other day and advised me to consider buying it over.

Along with plastic surgeons, diet gurus and personal trainers, professionals suggest adding a financial advisor to your list of beauty experts.

According to a survey by www.health.com, financial worries cause more stress to women than their appearance or weight ! They consider getting into debt the dumbest money move they’ve ever made.

Yet ironically, when asked by, “If you found US$100 and didn’t need to pay off a bill or cover necessities, what would you do with it ?”. There was only a one percent difference between women who said they’d save it and those who said they’d spend !

I am grateful that my blogging pal is willing to bank in cash into my savings account for these few weeks before my new debit card arrives. I wonder if the bank will reject my debit card application again. Well, just keep my fingers crossed.

No matter how busy my blogging pal is with her crib bedding online business, she will do the online transfer once I notify her.

To be honest, I find it safer to send my PayPal funds to my pal and she transfers money into my savings account.

I don’t know if I should go on using my Tune Money Visa debit card.

Thinking of a Christmas gift idea? What about this zippered long credit card wallet?

It is perfect for travel, fits inside of a jacket or suit pocket easily.

A little bulky for back pocket of slacks but fits in jeans perfectly.

It keeps items secure and does not have a magnetic snap that could mess up the magnetic strip on your cards and is great for those days when you don’t want to hassle carrying a purse.

It has plenty of spaces for credit cards (19 + one window for id). There are slots on each side (under the credit cards) for currency, etc.

This zippered long credit card wallet is quality constructed with soft full grain leather.

Am I still paying off my credit card debt now? Yes, but a bit slow.

I am dragging on some credit card payments hoping that my debt management program will be approved and I just have to pay the low monthly repayment to the debt management agency.

2 more weeks and I will know the outcome. I pray to God that the debt management program is approved and I can pay off my credit card debt at one lower monthly payment.

By then, I am sure I will have more time and mood to browse through sweet potato pie recipe book.

I am praying that my blogging pal is back tonight so that I can send her my PayPal funds and she banks in cash into my savings account.

She is my only buddy that I can depend on when it comes to withdrawing my PayPal funds.

I need the cash for my family health insurance premiums and also my auto loan installment.

There is no way I will withdraw my PayPal funds into my Tune Money Visa debit card now unless I see my missing PayPal funds again.

According to Tune Money, the funds has not reached the Visa center. So does that mean PayPal has to be blamed on? I don’t know. I am still waiting for PayPal’s reply.