Thanks to my debt management program (DMP) that I can pay off my credit card debt with a lower monthly payment.

Although all my credit cards have been terminated and I can only use cash, I don’t mind. This is because using cash to buy groceries, home appliances, industrial knobs or Christmas gifts doesn’t bring financial charges or late payment charges.

Sometimes, it’s not the credit card debt that suffocates you;it’s the financial charges and late payment charges that keep aading up.

On the day after I signed the offer letter for the debt management program, hubby and I went to have a small celebration in the town.

We went to a restaurant and enjoyed a very healthy grilling food.

After that, we went to a movie. Honestly, it’s been a long time since I last watched a movie. I think more than one and a half years ago!

What a relief now!

Fig trees? Is it easy to find fig trees? I have no idea. My mom just called and asked me to buy her some fig trees. Since I am quite stress-free, I don’t mind checking out at some nearby nursery farms.

It’s  really a financial burden lifted off my shoulders owing to my debt management program (DMP). I don’t feel stressed out as much as I did last time.

Guess what? I even have some spare cash in hand. I feel good. Having extra cash in hand makes me feel great.

Thanks to my debt management program that I am able to concentrate on my online business.

Prior to the approval of the debt repayment plan, I had had countless of sleepless nights.

Due to lacking in sleep that I couldn’t build up my niche blogs as fast as I wanted. The articles written were also not up to par to be submitted to article directories.

Sometimes I also mixed up the links of used cisco with some debt consolidation loan links. But from now on, I know this silly mistake won’t repeat.

Am I still paying off my credit card debt now? Yes, but a bit slow.

I am dragging on some credit card payments hoping that my debt management program will be approved and I just have to pay the low monthly repayment to the debt management agency.

2 more weeks and I will know the outcome. I pray to God that the debt management program is approved and I can pay off my credit card debt at one lower monthly payment.

By then, I am sure I will have more time and mood to browse through sweet potato pie recipe book.

Yesterday I was very stressed out that I started telling my blogging pal about filing bankruptcy. I also did some searches on bankruptcy, bankruptcy laws, bankruptcy procedure and bankruptcy forums.

Come to think of it now, I was over worried. I should have cooled myself down first. I didn’t even have mood to search for personalized pens for hubby.

This morning, I called up the AKPK agency again. I was trying to get some news from the nice customer care executive there.

According to her, I still have to wait for another 2 weeks to know who will be the counselor in charge of my case and also if my debt management program will be approved.

I was so anxious to know the progress of the debt management plan that I called up the debt management agency.

According to their record, my debt management program application had already been submitted last month.

It is still waiting to be assigned to a counselor. Once there is a counselor assigned to my debt management plan, it’s easy to know if my application will be approved or not.

For the time being, I just need to be patient. Keep on paying the minimum credit card payments and making money from promoting diet pills online.

After submitting the debt management program application a few weeks ago, I decided to restructure my home loan and bank overdraft as well.

The appointment with the bank official will be on Thursday before my blackhead treatment appointment.The beauty salon is only a few steps away from the bank.

Hopefully I can lower my home loan installement amount. At present I am paying $605 for my home loan.

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.

The receptionist at the AKPK office was surprised that it’s possible to make money online selling some acne creams and treatments. She was even shocked when I said I earn US dollars at home. Yes, make US dollars at home in Malaysia.

No doubt, many people are still skeptical about making money online.

I don’t care what they think. I just want to make money online to pay off credit card debts. If my debt management program application is approved, I can heave a relief. The interest rate proposed by the counselor is 9%. This is definitely much much lower than the 18% I am paying now.

I am praying that God make sure my application is approved.