Fuhh... It's been 55 days since day one. I think i'm able to manage my cash better. The temptation to use the CC has started to diminish along with my needs to use it. If i'm short of money, it's better to use the "walking ATM Machine" instead of resorting to CC. Hahaha....
But then, i'm still struggling to save money to pay the CC balance. Aduh.. bila la CC ni nak abis bayar?.. Kalau ikut perkiraan minimum payment of Rm300 permonth, it will takes 2 years to payoff the debt. This, without considering the so called Financial charged and reusing the CC. Melampau betul interest CC ni!.
Satu cara nak kurangkan beban interest CC ni adalah dengan buat balance transfer. Kalau nak baca lebih lanjut tentang bank mana bagi rate yang paling competitive, blh la baca Personal Money bulan Mac 10.
But then, you will still have to depend on what CC do you have. Although Affin Bank gives the best rate, if you do not have CC from Affin Bank, you still can't make use of the facility. On top of that, we must also consider the penalty imposed for early settlement.
Manalah tau kan, tetiba ada pakcik kayo yang tinggalkan harta dia kat kita masa dia meninggal, blh la settlekan CC tu awal drp perancangan kita. So, kene lah juga tengok kalau early settlement dikenakan penalty atau tak.
Kalau maintain cara hidup sekarang dan teruskan menyimpan, insyaallah usaha akan berjaya dan boleh hidup debt free.
Good Luck!.
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