Yeah..I'm drowning in mountain of bad debts..How to clear it or how to settle it?? Working from 9 to 5 is not enough to cover all the debts. Most the salary money is enough to pay 2 car loans (Total RM 2500) , house loan (RM 1200) and all the bills (RM 500). So all the credit cards bill must come from the extra money. Where u can get the extra money??? Doing overtime .. But my age already catching up so i need more rest to let my body relax and let my mind not to stress.
That why very important to save from the young. Save first and enjoy later. For me, enjoy first and save later... Hahha too bad. I must teach my children to save first, enjoy later in their mind. The other problem if you're married is to control the wife spending.. so difficult if your wife is shopaholic. How to control it?? Unless she spend from her own budget and money.
There are few thing must be done:
1. Protection - insurance
2. Habit - Saving
3. Living - frugal
4. Spending - buy necessary thing
5. Helping - contribute to unlucky one
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