I, The AKPK Debt Management Program Blogger, Am In A Dilemma Now!

I, The AKPK Debt Management Programme Blogger, Am In A Dilemma Now!

I keep telling myself that I should be blessed to have a zero car loan, 2 emergency fund accounts, a full time job generating RM1,000 income every month, some online income and a hubby who is bringing home RM2,000 a month, BUT, I keep thinking about what has been bothering me for the past few weeks.

First, I Feel Like Quitting My Current Accounting Job. Way too much work to do! I feel that my stress is mounting with the load of increasing workload of unrelated work like photostating, answering phone calls, keeping records after records, …

I keep convincing myself that I am contributing some of my time and effort to the school, so it’s okay with the current RM1,000 monthly salary. BUT, spending 8 hours on week days and 4 hours on two Saturdays for just RM1,000 is just, sigh, … ==

Maybe if I quit my job and work 8 hours a day online, I can get that RM1,000 too. Maybe not! I don’t know.

I don’t know because my online income has fluctuated from making more than RM2,500 a month to between RM1,200 (low season) and RM2,000 (peak season).

I would just say goodbye to my current job if I made RM2,500 a month, but the fact is that I don’t. It’s between RM1,200 and RM2,000, so it’s risky and uncertain.

Second, Hubby Has Turned Part Time Due To His Health Problem. From making RM2,000 a month, he will get around RM1,000 a month.

With about 50%’s cut on his salary, it makes thinking of quitting my job even harder. T.T

I have been praying to God for improving my online income from Google AdSense earnings, Amazon advertising fees and the latest Vemma nutritional drink products.

I have also been praying to God to help make selling the house to our tenants or their friends easier/faster. Sell it so that there will be no more mortgage installments, quit rent fees and overdraft facility interest charges that consume RM850 every month!

Without any car loan and home mortgage installments, hubby and I just need to tackle our AKPK monthly repayments of RM680, flat rental RM270, internet and phone line fees RM110, cell phone charges RM65, RM50 utility bills and meal expenses.

See, I am not always the one who inspires/motivates you? I need to be motivated too and now! ==

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