I managed to cut down one credit card so far.. I have plan to cut MBF card after all the Balance cleared. I want to cut Citibank Shell but the bank offer me to waive annual fee and Gov Tax. So i save about RM50.. The other card on my list is HSBC bank MasterCard . Then followed tge AMBANK but take some time since i have some balance installment plan for iPad 2. I hope i can achieve the financial freedom next year.
It is not easy to control the spending if youre a shoppaholic..
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