I am happy for buddies who are going to enjoy their holidays at one of the south beach hotels the end of the month.

How’s your vacation plan going on? And how are your Christmas shopping sprees? Hubby and I aren’t going anywhere and won’t be spending much on Xmas gifts.

We want to save more money as emergency fund and pay back some money loaned to us by family members.

It’s time for us to really start paying them back although they are so kind and never rush us to pay them back.

I am very sleepy now. However, I can’t throw myself in the bed yet.

There are some credit card debt and debt management program articles for my niche blogs that need to be submitted to articles directories first.

Oh, not to forget that I still have to complete a few online assignments given to me!

It’s the 28th tomorrow. Time to deposit my AKPK debt repayment and hubby’s DMP.

Tomorrow afternoon, I will go to the bank to withdraw hubby’s pay. Then, I will walk to another bank to deposit the debt repayments.

After that, I will enjoy my lunch at the Pizza Hut. Right after lunch, hubby will meet me at a nearby shopping mall to buy a Hansgrohe faucet to replace the leaking kitchen faucet.

As for the utility bills and home loan installment, they will be paid online.

Hubby is thinking of getting one of the inexpensive Acer netbooks next month.

He should as it is of $299.99 now, plus free shipping.

I think hubby should go ahead and purchase it since there is still money left after deducting our debt repayments, utility bills, and home and car loan installments.

Besides, I still have Google AdSense earnings and online income coming in.

How am I doing with my free debt management program? Well, great.

I have been able to make the repayment on time month after month, thanks to my online income and tuition fees.

Because of this debt management plan too, I am less stressed out and have more time to enjoy my life.

I can also pamper myself with acne or body massage treatments once in a while.

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.

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.

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.