Reducing debt

Now is December. So far my debt reducing and restructuring is moving smoothly as what I plan. The most taxing my income is house loan and car loan. Both has been cleared. The other most important debt is credit card. Some are buying with zero interest installment and personal loan from credit card. The longest is from Citibank as long as 36 months and the highest from Hong Leong Bank almost 120k. Most the loan from HLB is to settle another loan or balance from other bank which charge the highest interest. My wife credit card also has some balance that need to settle..


Recently I have bought SSP about 3000 and hoping to win 1 million ringgit. Other benefits are got dividen and got extra free 60 numbers..Dream on!!!! I pray to God I will win something.

I also save some money in BIMB Account and also hoping to win 1 million ringgit as the grand prize. Dream on!!! Never try never know. Haha...Sambil menyelam sambil minum air like in Malay proverb.


I feel abit relieved because I can save some money and buying shares.

At the end of December ...most probably I got some bonuses. I hope so. So the money can be use to clear the debts and do some saving.


Now I feel a bit relieved