We are approaching end of January 13 and so fast time running. So how about with our plan and goal??? Have you made it done or still in the planning stage?? Achieving the target is not the easy task if you have the commitment and the will to do it. Everybody can plan but not all people can finish the job without any obstacles and resistant
What my plan...
1. Refinace the house....still not done. lazy to go to bank. Still thinking what is the best interest rate and option.
2. Cut down spending...i think i can cut down about 25% at the moment. Hope no more new big shoppig.
3. Credit card - to reduce the number of credit card. At the moment a bit difficult because of the outstanding amount. This can can be done slowly. On the list is CIMB credit card. Outstanding stilll about 5k++. not so much benefit holding this card. only get 2% for petrol at Petronas. Better use of UOB card that can give rebate about 5%.
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