Thanks to my debt management program that I can now concentrate on my online assignments, have more time to get free life insurance quotes for family and friends, and have spare money to set up more niche blogs and stores.

Never a day do I have to worry about my credit card debt anymore.

I am grateful to God for giving me this very last chance to save my awful financial strains.

If the debt management program was not approved last year, I would have had to resort to declaring bankruptcy.

Hubby has gone to the banks to withdraw the money returned by his buddy. And then he will bank in his and my credit card debt repayments at another bank.

After that, he will go and have the car’s emergency lights replaced before he comes home.

You know, after hubby and I were placed under the debt management program, we only need to deal with three banks.

Instead of going to seven or eight banks, we now only go to three banks for our debt repayments, home mortgage and auto loan.

Yeahoo! Hubby’s buddy returned $500 to us yesterday evening, 50% of the money we lent him. We will get the other 50% next month. Thank God.

This $500 is more than enough for hubby’s debt repayment. My debt repayment has been prepared for some time.

Now I am waiting for my online income to pay the home loan installment and bank overdraft interest charge.

Hubby and I are still waiting for his buddy to bank in the money. On last chat, he promised to bank in half of the money these two days. Hurry up, please!

I remember when he first asked us to lend him $1,000, hubby banked in the money for him the next day.

We knew that he needed the money urgently, so we withdrew the money from our emergency fund account. I even put off buying jewelry that I had been eying for a few months.

If he returns us all the money this time, it’s for sure that we will lend him money again in future.

If you borrow money and return it later, there is a chance that people will lend you again in future. But if you borrow money and refuse to return it, that’s it. No more lending when you are in need of cash. And most important of all, friendship ends there.

When will I get a new unlocked phone? My Nokia cell phone is so old and outdated that I always leave it at home.

I want a Nokia phone that has rapid 3G connectivity with HSDPA support so that I can connect at broadband like speeds while out of the town or at my grandma’s home.

Well, I guess I have to wait until I am not so tight on budget and also have saved enough cash.

Yes, cash. I can only use cash to buy things now.

I have got my debt repayment ready. Now I just need to prepare hubby’s debt repayment and our bank overdraft interest charge.

I am praying that I can collect the tuition fee on time for the debt repayment and bank overdraft charge.

If hubby’s buddy returns him the money we lent him years ago, then I will be very relieved.

We lent him $1,000 many years ago. He promised to return part of the money to us this week or next week.

The money can be used to pay the home loan installment and part of the car loan installment.

It’s a bit scary to have only some cash in hand. What if…?

What if there is an emergency? Where do I find cash?

Everything has to be paid by cash. Yes, everything! From sugar to toilet paper to hubby’s tuxedo shirt has to be paid using cash.

It’s become a habit to find the cheapest item before paying it by cash. A penny saved is a dollar earned now.

No more cash advance from credit cards. Want to have cash advance? Well, save more money.

It’s good to hear that my buddies have found the part-time jobs they want to supplement their income. Have you?

I am back to giving tuition to kids while my buddies are promoting custom rubber stamps and wedding party supplies.

Our part-time jobs may not make us much money now, but who knows, they may become our main income source in future.

I am in the mid of setting my online tutoring business. Once set up, I have another source of income besides the home tuition income and online blogging income.

I am tight on budget, but I am happy that I am no longer haunted by phone calls and warning letters from banks.

This is one of the best advantages of being under a debt management plan. I mean a free debt management plan.

So long as I am careful with my spending and expenses and making as much money as possible to pay the bills on time, I am fine. I can still survive even if my daily food is only bread or biscuits.

Thank God that my online income and tuition fees arrived in time last week. It’s more than enough to pay part of my car loan installment and the bank overdraft interest charge.

Now I am keeping my fingers crossed that my online sale commissions from Mac memory cards, flannel sheet sets, cellulite bio shorts and best price PSP consoles be paid on time the end of this week.

The commission earned this time is more than enough for the home loan monthly installment and credit card debt repayments.