To be honest, I am very tight right now; every dollar is so important to me.

I am still waiting for some tuition fees that should be paid by tomorrow. If the parents don’t pay me tomorrow, that means I must wait until next week. God, please make sure the payments come in tomorrow.

I think any new lighting or bedding set that I am thinking of buying should wait until I have spare money in hand.

Have you heard that American Express offers you $300 cash in the form of pre-paid American Express card if you pay off your credit card outstanding balance and close the card account?

Will you pay off your balance at one shot and close your AmEx account to get this $300?

Owing to layoffs, job losses, job cuts and pay cuts, there is an increasing number of people looking for new jobs or part time jobs everywhere.

Friends of mine who have been in admin careers for more than 10 years have to look for part time jobs to supplement their income.

In case the lose their full time admin jobs, they still have their part time jobs to pay the bills, meal and grocery expenses.

The best Valentine’s Day gift for my buddy this year is not a basket filled with weight loss pills. No.

The best Valentine gift for her this year is the phone call from AKPK credit counselor informing that her debt management program had been approved.

She received the long-waited phone call yesterday. Thank God. No more haunting phone calls from bank and creditors.

People are using more cash now. My sisters and some family members have told me that they dare not simply use their credit cards.

To buy big tickets like ellipticals or 42″ Plasma TVs, they will use cash they have saved up for some time.

They will not charge them into their credit cards or sign up for installments on credit cards like the old days.

This is good, isn’t? People have turned back to using cash now.

I have been getting questions about AKPK’s debt management program and its application.

Remember I told you that the number of people asking and applying for debt management programmes will increase after the holiday season?

If you would like to read more about AKPK’s debt management program, look at the Categories section and find Credit Card Debt Repayment Plan.

All my AKPK stuff and application posts are in the Credit Card Debt Repayment Plan section.