Do you deal with your credit card debt all by yourself or through a credit counseling agency? As for me, I use AKPK (Agensi Kauseling dan Pengurusan Kredit) to manage my credit card debt. In fact, I have been in the debt management program since October 2008.
Prior to hubby’s 50% pay cut, there was always a plan to implement Dave Ramsey’s Debt Snowball Method to pay off the AKPK debt repayments from smallest to largest once both the small and big emergency funds reached RM10,000 respectively. However, there’s a change of plan now! @.@ Even
Woohoo, I find myself posting more often now at this free debt management program blog! ^.^ll Previously, I was too restricted to only topics related to my debt management plan, credit card debt, saving money and emergency fund that I found myself running out of ideas and only posted
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