Here is a reply from one of my email subscribers, after she received my email about using credit card the smart way: (she has pointed out many advantages and I think
Money management consists of many aspects such as financial planning, building wealth, budget planning, etc. Which part is the hardest for you?
Have you checked out yet the good things that Maybankard 2 Cards has to offer? Besides saving money with the credit cards, grab the opportunity to win fabulous prizes in the Maybankard 2 Cards Challenge contest. Read on for more details.
Generally, do all people have a choice to avoid going bankrupt? Can unfortunate circumstances cause a person to become bankrupt?
Advertising affects us more than we think it does. They are masters of manipulation. I'm sure you've watched a TV commercial for a certain candy bar and 30 minutes later you start thinking you'd like a candy bar. Advertisers want you to feel like you are not enough. You aren't good looking enough so you need their cream or body wash. You aren't sophisticated enough so you need their watch. You aren't sexy enough so you need their car. How can we protect ourselves from these messages?
I would like to share about my story. Last year I was unable to control my spending with credit cards and I even bought a new car with monthly payment rm1300. My outstanding amount accumulated up to RM6000. My cash flow usually finished at middle of the month, forcing me to use more of my credit cards. I was tired with this same problem every month.
First, let me tell you three stories. At the end of this article, I will show you their similarity.
I called Citibank again and request to talk to their cancellation department supervisor to sort this out as I am really uncomfortable with this, they just keep telling me all of them are out and no one is available to talk, and just asked me to wait for 3 working days for them to call me back.