I am glad that I have successfully saved RM1,000 as emergency fund in my personal savings account. I mentioned that I would set up emergency fund in February 2008. Unfortunately, it didn’t work. At that time, hubby’s income was meagre and unstable. My income was barely enough to pay
Since I was approved of the AKPK debt management program (DMP), I have always been asked by readers or friends why I chose to get out of debt with a debt management program. There were several reasons why I enrolled in a debt management programme and not debt consolidation
You know, I began serious about saving money after a few months in the AKPK debt management program (DMP). Before in the DMP, there was never money left after making payments to credit cards, home and car loan installments, utility bills, and groceries. Since being placed in the free
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