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#16
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Re: Credit card debt consolidation
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Wow, how did u survive that period without help ? |
#17
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Re: Credit card debt consolidation
I was so desperate I was willing to do anything short of robbing or stealing. A friend told me go church, I went church. They told me pray for a miracle, I prayed for a miracle. A miracle came. Miraculously. I had enough to pay off my debts and extra left over. I wont reveal the details in public. But an event happened out of nowhere. Divine intervention.
Of course, I had to learn financial wisdom along the way. What I can do without, I did without. Eg ditch the car. Eat out less. Dun buy branded. So when the financial miracle came, after paying off the debt, I knew how to conserve the extra cash. |
#18
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Very happy for you that you manage to get out of it.
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#19
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Re: Credit card debt consolidation
Keywords: Mentally strong, discipline.
My friend paying 2/3 of his income every month for the debt + interest now. After 1 yr finally managed to pay off 20k of the amount owned. And he told me he didnt know it was this fast. I told him "from here on, it can only be faster". He did all these without any help. Less amount owed = less interest incurred every month. Paying the same amount every month will wipe out even more outstanding amount owed. U need to start taking the first step. Any spending u dont need to spend (dont spend wont die one), u have to cut it. hp plan downgrade is possible, use more wifi. pay tv can cancel if possible, tv fucks your mind anyway. use the time to read instead and enrich yourself. dont buy anything new if still able to use. i'm using a 15 yr old backpack, 7 yr old pair of jeans, 6 yr old hp. dont have any watches, wearing 100-200 baht t shirts & shorts when not working. nobody is able to tell the price tags of what i wear and use (except for my hp because its an iphone, everyone will know). Strongly advise u to keep a record of all your income and spending every month. From there u are able to see where u spend your money on & from where u can cut spending from. Categorize properly, then prioritize. The lowest priority ones can stop spending on first. 1 by 1 eliminate those unnecessary spending. Last edited by fallen11; 27-11-2019 at 08:58 PM. |
#20
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Re: Credit card debt consolidation
[QUOTE=onelustyboy;19461466]Hi guys,
soem earn only $2k a month but save 10% = small $200 a month, but 1 year later save $2,400/- some earn $7k mth but 1 year later owe credit cards $30k story : save little by little, cut down on cheong, drink, fashion, woman my personal experience lah
__________________
Work Hard - But remember to enjoy! No point slogging to earn money only to buy medicine & a nice coffin! |
#21
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#22
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A man can self control. But how many issues in marriage are due to financial issue. How many are able to go thru the financial discipline together. Worse thing is discontentment was not communicated. Accumulated 心病 then declare divorce
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#23
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I got a friend before owe 30k. After 2 years now owe 35k. He did return but with 2 kids, is not easy.
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#24
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But bad thing is no longer can use credit cards. For banks debts consolidated plans, if the amount owing too Hugh, they will not accept. E.g. Uob. CITI bank, DBS can.. Good thing is they will issue u 1 new credit card to use. Alternative, if you don't want go CCS. Call the banks yourself and say u are unable to pay. The credit dept will offer u another lower interest rates plan for you to pay off debts. But the interest is still higher than CCS.
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My Pinky Album |
#25
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Re: Credit card debt consolidation
You can try those car workshop that help their customer to renew COE. Their interest can be very low too. They do loan too. But the admin fee is roughly 500. Just sharing
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#26
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I used to owe a lot too. I take me about 3 years to clear all debts.
I am single, so maybe easy for me. Basically, i isolated myself from everyone. Life is simple, work home. Dinner and lunch all is at home cook by parents. sometime i bring bread and instant noodle. every month almost all my paid go back into the debt. No saving at all. Glad that all ended |
#27
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#28
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#29
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#30
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good. don't be tempt by tthose cc promoters anymore they offer u big luggage, shopping coupons, cc points that can redeem air tkt - just say NO NO NO cc is a big shit hole if u take it up again me - now only cash, no cc. at times ll but to use my debit card to pay insurance on axa.
__________________
Work Hard - But remember to enjoy! No point slogging to earn money only to buy medicine & a nice coffin! |
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