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.