I started my credit card debt elimination journey in April 2007 when my credit card debts had reached a staggering $20,321. Like most debtors, I wished my debts go away in a few months’ time. I kept looking for ways and methods to pay off my credit card debts in a few months’ time. Unfortunately, with $20,321 credit card debts, there was no way I could pay off the debts in a few months’ time, unless I struck the lottery.
Besides, it took years to accumulate the credit card debts. How …

It’s a relief to be told that I can achieve debt free living in 3 to 5 years if I keep on with my credit card debt elimination goal. Never ever give up or stop half way. Persist and work hard until I eliminate all my credit card debts and enjoy debt free living.
I created my credit card debts with my own irresponsibility, therefore I need to be willing to work and sacrifice in order to pay off the debts.
Of course, there are times when I feel like giving up, …

I started my credit card debt elimination plan to pay off my credit card debts in April 2007. My credit card debts were $20,321 (RM63,809) then. Now my credit card debts have dropped to $13,942.
Last week, I decided to set a goal to achieve debt free living in 3 to 5 years. I mean being debt free from credit card debts, bank overdrafts, a home mortgage and a car loan. “Be Joyful in Hope, Patient in Affliction, Faithful in Prayer.” - Roman 12:12.
Getting out of debts is definitely not easy. …