Oh, it’s so difficult to get rid of hubby’s impulse buying habit!

I thought it’s supposed to be women who have the impulse spending habit? It’s funny that hubby is the one who loves shopping and is easily lured into buying.

As for me, I am the one who would rather sit at the computer desk surfing the Internet and doing the online work the whole day.

I am also the one who loves comparing many best weight loss supplements but not placing any order in the end.

Since being in the debt management program, I am not easily lured into buying.

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.

Once in a while, I drop by at www.ourprayer.org and join the prayers there to pray for others.

Guess what most of the prayer requests are about? They are mostly about getting well from cancers and finding jobs to start working.

I pray that those who suffer from cancers are healed by God and those who are in need of jobs find the sales jobs, investment banker jobs or management jobs they want.

Praying for others teaches me to be grateful. I try not to complain much as I still have tuition classes and online assignments that provide me income; my debt management program that enables me to make low monthly payment to pay off my credit card debt; and I have a healthy body.

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.

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.

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.

I am so angry that some of the local banks still charge me finance charges and late payment fees even though I am now under the debt management program.

This morning when I checked my bank statement, I was shocked that one of the banks banked in the post-dated checks I had issued before my debt management program was approved.

This bank should have known that I am now under the debt management program and that they shouldn’t have banked in the post-dated check.

I was fed up that I stopped chatting with a Seattle injury lawyer buddy and shot a call to the bank.

Wow… my buddy will buy his loved one the best diet pill product for her to lose excess fat this Christmas season. What about you?

As for me, I don’t mind not being given any Christmas gift this year. Being approved of the debt management program is my best Christmas gift this year.

I am still thankful to God, so it’s fine with me if hubby doesn’t gift me any gift.

I see there is an increase in the number of credit card users defaulting on their credit card payments and applying for AKPK debt management program to restructure their credit card debt.

If you are burdened by hefty credit card debt and keep defaulting on your credit card payments, pay AKPK a visit.

Or if possible, give up all your credit cards by applying for AKPK’s debt management program application.