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.

When will I receive my online income to pay the debt repayments and utility bills?

Mmm, the end of the month! Wa…two more weeks! Fortunately, I still have extra cash in hand to survive until the 28th.

My only hope is that hubby doesn’t do any grocery shopping without my permission.

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.

I can feel that hubby and I are getting better financially.

You see, hubby has got a full time job starting this month while my online niche blogs and stores are generating increasing sales and commissions.

After deducting our debt repayments, utility bills, car and home loan installments, meal expenses, and petrol fees, there will still be a few hundreds left for us to use or save in the bank.

I am happy that I have found the debt repayments, utility bills, car and home loan installments and bank overdraft interest charges that I need for this month.

It’s only the 17th and I have collected enough money to pay the bills. Thank God.

I think I can relax on my patio furniture and enjoy the sunset every evening until May approaches.

Of course, I will keep on building my niche blogs and stores until it’s time to watch sunset. Work must go on to bring in more income.

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.

Once their ambition was to keep up with the Joneses. But these days millions are trying to mimic the costly lifestyles of celebrities.

The result, say experts, is that a third of us have nothing left in our bank accounts at the end of the month.

They estimate that 4.8million adults spend more than they earn every month, while a further nine million just break even when their next paycheque arrives.

Millions are in the grip of a “spendemic”, piling up debts on their credit cards and overdrafts. They are caught in a spiral of conspicuous consumption. It is no longer enough to keep up with the Joneses. Read more »