Currently I have about RM3K sitting in cash+savings a/c. I have not much cash because I have been studied for the last 2 years full-time, just spent about RM4k recently for buying a new PC and new stuffs for the new job and I was over-investing during the bear market.

Before starting this new job, I have been working for 4 years and then continue further full-time studied a professional certification for another 2 years. Just completed the study 2 months ago and now come out to work again.

Internet and phone are already using the lowest plan. Any lower would be as well a cancellation.

House reno and furniture is already paid by credit card. Now it is just repayment, which is the 4k.

Hi experts,

Just wanna ask opinions.. I have the following :-
1. Personal Loan debt around RM13k @ 13% pa
2. Credit Card debt around RM11k @ 15% pa **
3. Balance Conversion debt around RM7k @ 12.9% pa **

To overcome this debt, I've setup a special fund. At the moment I've RM9K (monthly savings of RM1k) and plan to settle my Personal Loan which I pay around RM550 monthly.

Once I settle this loan, I can save up to RM1.5k monthly and plan to settle item 2 and item 3 within year 2014.

My vehicle is being paid off recently and RM550 of it goes to my ASB savings which accumulate to RM14k to date. I plan not to touch this money as this is my savings and investment.

My other debt is my house which I believe is good debt since the price now is around RM400k from RM151k. RM100k to go.

Your suggestion and advice in this matters is highly appreciated.

Thank you.

**under same bank.