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.

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.

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.

I am sorry that if you have bumped into my credit card blog and found no offers on credit cards.

You find no recommendations on 0% credit cards, low interest credit cards, balance transfer credit cards, business credit cards or whatever credit cards that you know here. You only see tips and ways to reduce credit card debts or delete negative items off your credit report.

I am a work at home mom who is loaded with credit card debt and is still paying down my debt until today. I started my debt reduction since April 2007. Even though I have stopped adding extra debt to my existing debt, I still need bout 3 to 5 years to fully settle the debt.

If you are thinking of applying for a credit card, you had better not. Use cash.

Oh, ya, you may say that you are a very disciplined person and you can surely pay off the credit card once the statement arrives at your doorstep. Since you are a very disciplined person, I am sure you can save money very fast and use it to buy stuff. So why use a credit card?

Do millionaires get into credit card debts? Only middle income people like you and me get into credit card debt.

Enough preaching. Be a millionaire or a debtor, it’s your choice.

I need to sell more Fenphedra products to pay off my credit card debts now.

I want to increase my income again this month. I am sure I can. I can accept more assignments to do when I am at the comfort of my own home.

It’s great to see tons of assignments ranging from credit card debts to Philadelphia resumes. They are interesting topics that I can complete them as fast as lightning.

I think I will have spare time writing my own articles to be submitted to some article directories.

I am more focused on increasing my income rather than my blogging about my credit card debts these days. According to the Law of Attraction that I read from The Secret, thoughts become things!

“The law of attraction doesn’t care whether you perceive something to be good or bad, or whether you don’t want it or you do want it. It’s responding to your thoughts. So if you are looking at a mountain of debt, feeling terrible about it, that’s the signal you’re putting into the Universe. “I feel really bad because of all this debt I’ve got.” You’re just affirming it to yourself. You feel it on every level of your being. That’s what you’re going to get more of.

“So, I must keep affirming what I want, not what I don’t want. I want to achieve weight loss, not I don’t want to be fat.

I want to make $100 daily to pay off my credit card debts fast. I want to be debt free…

I am sure that many working mamas are like me — deeply in credit card debt. Of course, there are also lots of working mamas who are debt free. Congratulations! You are debt free.

I wish I could be like you, leading debt free life. I guess it’s going to take me 3 to 5 years to be debt free. Free from credit card debts, personal loans, bank overdraft, home mortgage loan and car loan.

For the time being, I have to keep on comparing prices to find the best priced household appliance; best bargain for grocery; and the deepest discount on best acne treatment, personal care products and other daily necessities.

I am in the process of digging myself out of the debt hole. Many dreams including my dream of enrolling into one of the reputable massage therapy schools have to be put off first until I fully settle my credit card debts.

My dream and only goal now is to pay off my credit card debt in 3 to 5 years’ time.

Living below my means is not as difficult as I thought. Sometimes I do regret that If I had lived WITHIN my means before I was in debt, I wouldn’t have to live BELOW my means now.