With hubby’s cooperation in controlling family budget, it’s easy for me to track the expenses using the personal budgeting software.

It was difficult to track hubby’s spending last time because he didn’t like to keep receipts or recall what he had bought. Sometimes, he simply didn’t want me to know what he had purchased.

Of course, I am not the kind of person who tracks every cent and dollar. I can’t bear with cracking my head thinking where I have spent the $1.50 or $0.95.

I do download free seo software recommended by my blogging pals so as to improve the ranking of all my niche blogs.

You know the importance of doing SEO, right? Better ranking means more traffic driven to your sites and thus increase your ad clicks and sale earnings.

I need more online income simply because there are debt repayments, home and car loan instalments and other expenses that have to be paid.

Besides, it’s bad economy now. It’s better to make more money to save in the savings account during spare time than watching television at home.

So far, I have found the amount for auto loan installment. I am still looking for auto insurance premium and road tax renewal fees.

There are still some overdue credit card payments that are supposed to be paid this month. I really don’t know where I can find money to pay the overdue credit card payments.

I am praying that God helps me. I am so tired of my hefty credit card debts. God, please approve my debt management plan. I can’t take it anymore.

I have also been controlling my spending and expenses very strictly by buying necessities during sale times.

I still want to write one more post to vent out my anger on Streamyx. You see, Malaysians call Streamyx — Screamyx. Streamyx’s lousy broadband service really makes you screaaaaaaaam.

Imagine if you have tons of pending reviews to be completed in a few hours’ time and you can’t get to the networks online! I bet you will screaaaaaaam like I do now.

I depend on my online income to pay my expenses, home mortgage, car loan and credit card debt, therefore my internet connection must be up all the time. Not being able to write more reviews on credit card solutions or Tahitian pearls will definitely affect my income.

Thinking about making a credit card purchase? Before you swipe your card, consider how much you can afford to charge. It will have an effect on your wallet and your credit score.

One of the principles of building a good credit history and staying out of debt is charging only what you can afford to pay. But just how much is that? The amount varies from one person to the next depending on each person’s income, expenses, credit limit, and other credit card balances.

Charge only what you can afford. The amount you can afford to charge mostly depends on your discretionary income – what you have left after taxes and other necessary expenses have been paid. Read more »

I like using credit cards for several reasons:

• Most of the top-of-the-line cards will send year-end summaries of your spending, which is good for those clients who do not keep up to date financial statements.

• Credit cards are good for travel and other expenses and pay only one bill every month.

• It is good to have credit card debt available for those times when cash is hard to find.

The major drawback to using credit cards is that too many people overextend and find themselves in the black hole of high interest credit card debt. Credit card debt is easy to get into and sometimes very difficult to dig yourself out of. Read more »