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.

Take note here if you are still paying 10% interest rate or 18% interest rate on your credit card debts. Why pay hundreds or even thousands of dollars in interest a year while you can pay 0% interest rate? Do you know that no fee balance transfers can save you hundreds or even thousands of dollars a year in interest?

Let me give you an example on how you can save hundreds or even thousands of dollars a year. It’s common for Americans to own a few credit cards. With only $2000 in debt on a credit card with a 12% interest rate, you have to pay close to $250 on interest a year. What if you have 2 or 3 credit cards which carry $2000 in debt respectively? How much do you pay for the interest for 3 cards? Yes, $750.

Why pay $750 a year while you can use it to pay off other credit card debts or invest it in mutual funds that yield 10% returns a year? Money that you save from the interest rate can also be channeled into paying off your mortgage loan or auto loan.

Before you apply, always take your time to visit a credit card comparison site to find a credit card that charges a 0% APR on balance transfers for one year, with no balance transfer transaction fee. Take a look at the interest rate offered at the end of the introductory period. Try to find a credit card with a low long term APR.

However, if you do not repay your balance in full by the end of the 0% period, you can always look into another 0 APR balance transfer again.

Ever since the introduction of no balance transfer fee credit cards to the American market several years ago, the number of Credit Applications has soared. Most money-savvy consumers use them to save money by avoiding interest charges on their credit card debts.

As no balance transfer fee credit cards allow you to transfer credit card debts from other cards and pay no interest on the transferred funds for 12 months, with no balance transfer transaction fee, moving balances from high interest credit cards to 0% credit cards with no balance transfer fee is a great money saver.

An example, transferring $5000 to a 0% credit card with a no balance transfer fee from a credit card with a 15% interest rate can save you over $750 over the course of 1 year. Imagine how much you can save if you have multiple credit cards!

Since you are not paying interest for a full year, you don’t have to rush to pay off your credit card. Instead, keep your money in a high yield savings account and earn interest on your money until the 0% interest rate is about to expire. This way, you not only save a few hundred or a few thousand with your 0% balance transfer, you can also earn another four to five percent on your money.

To ensure that you are applying for the best No Balance Transfer Fee Credit Card, simply make sure to take note of the interest rate, the length of the balance transfer promotion, and make sure you understand the terms of the offer.

You sign up for a card at 7.99%. Send in one payment a couple of days past the due date, and your interest rate could jump to 19.99%. If you’re late again, it could leap as high as 29.99% ! What’s more, the companies monitor your credit history closely.

Make a late payment on one card and all your cards may raise their rates. Speaking of lateness, your bank may have a fixed hour for receiving your payment on the day it’s due. If it’s supposed to be in by 10:00 a.m. and doesn’t get posted until 4:00 p.m., you will be charged a late fee.

$$ Saver. Pay your credit card bill as soon as possible after it arrives. You may have just 2 weeks to guarantee that your check arrives on time. Read more »

Although it can seem impossible, there are ways out of credit card debt, and if you want it to happen then you can begin getting out of debt today.

There are a bunch of ways and systems that people use to get out of credit card debt. I highly recommend Talk Your Way Out of Credit Card Debt to anyone who carries a balance on his or her credit cards or anyone who wants to gain skill in negotiating with a credit card bank to reduce interest rates or eliminate fees.

Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money!

It’s true! You can call your credit card banks to negotiate a better interest rate and have fees waived!

However, it may not be as easy as picking up the phone and asking. That’s because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don’t know what to expect.

Scott Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of DebtSmart.com, has spent 10+ years making banks compete for his business.

Now, he’s sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn’t, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.

In this book you will discover proven negotiation strategies, and build your confidence, while learning how to:

1. Get annual fees waived;

2. Lower your current interest rates;

3. Shop for the best credit card deals;

4. Get late-payment, overlimit, and cash-advance fees waived;

5. Compare loan options and calculate savings;

6. Dispute charges and get all your refunds;

7. Negotiate account settlements; and much more!

Lots of people have an overdraft on their bank account, and if things get a bit tight from time to time it’s nice to know there is a reserve to draw on to tide you over until the next pay day.

But some people find they are living within their overdraft limit almost all of the time, which can lead to all kinds of problems if it continues unchecked.

The best way to tackle bank overdraft limit is to look at your spending habits and figure out a strategy for getting yourself into a better financial position.

The first step is to try and ensure you don’t go over your overdraft limit; if there is a chance you may need to, you should try and agree a higher limit with your bank beforehand to avoid excessive charges.

The next step should be to figure out how much you owe in total and where those debts lie. Virtually every credit card has a different interest rate, and you could be paying a lot more in interest each month than you really need to.

The trick is to try and reduce your overall monthly spending in whatever way you can – whether that involves switching cards and paying less interest, working on getting back into the black in your current account, or simply switching from brand name goods to cheaper supermarket ‘own brands’ in order to save on your shopping bill.

Another option if you have a large amount of debt on several credit or store cards is to consider a debt consolidation loan. These often have a lower rate of interest than many credit cards, and you can consolidate all your payments into one easy monthly amount.

The early stages of trying to live within your means every month are often the most difficult. You need to change your ways of living, and this can be tricky as you are adopting new habits and trying to remain aware of what you are spending, how you are spending it and when.

It helps if you have some kind of goal in mind when you decide to make these kinds of changes. Your first goal might be to break even at the end of the month, for example, instead of spending more than you get in wages. After that you might advance to saving some money from your wages each month to pay a chunk off your debt.

Over time your habits will change and you will find it easier to live within your means and make your money stretch further. The satisfaction you will get from this – not to mention the peace of mind – is well worth working towards, and being in the black each month will make you feel much more secure too.