Sunday, May 2, 2010

♥ Debt is a Part of Life ♀

Have you ever thought about what it would be if life without debt?

What a HAPPY Life..Rynna.. Face it!!! Debt is a part of life..
but too much debt can make life difficult to enjoy..
My debts are Credit Cards, Bills, Personal Loan, House Renting, Hutang kawan-kawan pun ada jugak :( nanti Rynna ganti yachh.. All this happened last year when I unemployed and couldn't keep up with payment to any cards or anything..

If you are getting into debt, your life may be destroyed totally, the bill collectors will never get tired to calling you and quit. Those threatening letters will always be in your mailbox. I'm tired of bill collectors calling me.. Sigh!! Tekanan sungguh..

So when you get into the overwhelming debt and struggling with debt the best way is to seek a Debt Management/Consolidation.. Now almost 1 year im working with Nuffnang, alhamdulillah.. I decided to join Debt Management Programme by Agensi Kaunseling dan Pengurusan Kredit (AKPK).. Mula-mula Rynna pergi brieffing session then set appointment tuk jumpa dgn counselor AKPK.. During the counseling session, the counselors akan sediakan "personalised debt repayment plan". Hopefully bila semua ni diluluskan, Rynna boleh buat monthly payment on time without fail.. Kalo nak enjoy financial freedom yang penting detremination and discipline..

Rynna anggap semua ni as a Challenge.. cos Life is all about challenge and without challenges life seem so dull.. Challenge make us move to the next level.. so Rynna STOP CREATING DEBT!!

♥ AYW ♀

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