Debt Management

Take 5 minutes of your time to read through this DEBT MANAGEMENT guide and save thousands of RINGGIT today.

1.Read/Study/Manage/Optimize your BUDGET
-Make sure you're cutting down on unnecessary items like eating out, new electronic gadget, jewelry, collectibles, new car, high speed internet connection, cable TV, etc.

2.C-U-T away that CREDIT CARD
- budget less than minimum for it
- Credit cards offer you the kind of expenditure power you might not afford and which you will (kind of abuse it.It's a disease; it's not your fault.)Instead of being susceptible to this ultimate power and pay a heavy price, take an angel's advice and repent for your financial sins.

3. Maintain an Emergency Fund
- An unexpected nosedive of income can result in a heavier budget burden.
- Always be alert and keep emergency funds.

4. Pay off your debts when you have that extra cash.

5.Work Harder
- Get a part time job or work overtime to get something done.

6.Limit your spendings.
- Sometimes, eating roti canai and teh tarik is better than ham, egg, cheese and mushroom for your breakfast. Also, you might consider cooking at home more rather than eating out.