I find it hard to settle my credit card debts.

WHy?? The reason being;

1. i’m spending lavishly without proper planning

2. Thinking that i could be able to settle all the credits by the pay day..( eventually couldn’t pay)

3. Poor credit management

4. Having four (4) credit cards that amounted to RM 16000 credit facilities make the world really yours…Bad attitude

Now…i think that i’m in trouble for could not paying the whole lump sump of the credit outstanding and only capable of paying the minimum requirements. Damn…this really kills me as nearly half of my day job salary are used to settle the minimum payment

Pity me…..now i’m searching for any alternative and hopefully i could pay.

Hell….i’m getting married in the next three month….

Hopefully i can settle this…