QUOTE(remy_tailo @ Jan 12 2017, 12:40 AM)
UNIFI can downgrade back to Streamyx back?im IT person..remote/VPN/high speed internet is part of my life  biggrin.gif    -->use your time to uber/grab instead of watching internet. streamyx not cheap also. dont bother. ..is not that i don't want to..but since i were working in IT Banking sector..weekend also need to standby..else any issue on transaction, people wont able to withdraw their money (i'm back-end coder)

DIGI = good suggestion..will do it  -->change to umobile. free 1gb each month. sufficient for basic use at rm30 with 214minutes of calls.
was using UMOBILE..but coverage not good since i staying at beranang..

TNB+SYABAS = can't help..baby need to have aircond else wont comfortable..fan wont help..outisde have bad weather.    -->move everyone to one room. set room temp to 27. this should lower at least rm50.
done..current 2 months able to reduce RM30-RM50

KIDS / KINDERGARDEN FOR 2 RM1,000 = its the cheapest since it cost for 2..one of it infant..market now is RM500
-->kindergarden is not compulsory. if wife not working, ask wife to teach. if die die must go, send only at final year.

wife working..if not why i should sent to kindergarten? parents? passed away already.

COWAY = will do .thanks
-->check out where they dont have service and claim you are moving there. check how much to break contract.
you will ask..why wife not helping? bcoz she had 2personal loan, 1 car loan, 2 credit card and 1 housing loan
why we got a lot of personal loan? to survive..given a best food,education,cloths all for kids and wife since we doing all at own (relatives too busy with their own business)

why too much? this loan since 2010 untill now.
*
开源节流 = open new income, shut expenses

what make u so high debt? mind to share?

if possible, dont go into bankruptcy. it affects your future everything including job and opportunities.

Go AKPK and surrender yourself...

Then, AKPK will total up all loans (except housing and car loan if not mistaken)... give you minimum interest and up to 10 years return period....

However... for those 10 years, cannot create anymore loan/debt. Your name will be quarantine....so, can purchase house, new car, cannot use credit cards...

It helps.. trust me...

surviving bro..
when u married..and you dont want to susahkan your parents..you move out to find new house.
when ur wife pregnant..need parents (esp her mom) but she passed away 1mon before..need to cash/hire confirment lady
when ur wife pregnant 2nd time (after 2yrs gap)..then urself been fired from job..and jobless for 3 months..monthly paymnet car etc?credit card
keep continuing.

nowdays relatives mind their own business..if do help,, they will keep repeating and told whole world about their helpling..indebt etc

ady meet them
but my case quite difficult.

BRRK-i islamic ..since it islamic loan, BRRK will not cooperate with AKPK..worst case the monthly will be increase more than i didint do AKPK
MBSB ..same case..monthyl will be up..or dragged more years..25 yrs currently is quite long

after roughly calculated by the akpk, the amount monthly need to pay is RM3600 including c.cards for tenure 10yrs (before AKPK RM3500 without credit card)

only the concern is akpk for 10yrs rm3600..non-akpk is rm3500 but without credit card and no tenure
both way didnt solve ahlong issue

QUOTE(remy_tailo @ Jan 12 2017, 12:40 AM)

why we got a lot of personal loan? to survive..given a best food,education,cloths all for kids and wife since we doing all at own (relatives too busy with their own business)

surviving bro..
when u married..and you dont want to susahkan your parents..you move out to find new house.
when ur wife pregnant..need parents (esp her mom) but she passed away 1mon before..need to cash/hire confirment lady
when ur wife pregnant 2nd time (after 2yrs gap)..then urself been fired from job..and jobless for 3 months..monthly paymnet car etc?credit card
keep continuing.

nowdays relatives mind their own business..if do help,, they will keep repeating and told whole world about their helpling..indebt etc

Seriously this a lifestyle problem.
Even if you can earn an extra few k a month will be pointless without changing your spending habit.

On the 2nd child part, why go for it if you are already struggling with a first child. Borrowed loan for hospital fees, confinement lady? its already a RED warning bro.
Condom is way cheaper in this case wouldn't you agree?
Its your CHOICE and now you need to HANDLE it.

My message are intended to those reading this post and yet to fall into these debt traps.
If no money/saving - go for condom.
if no money/saving - go for gomen hospital.
if no money/saving - no confinement lady or whatever. its an over-hyped and over-price luxury anyway.

I wish you all the best!

EDITED:
Sorry if in anyway i offended you.
Not adding any advice as the previous posting by fellow lyn already good and sufficient.

hi all,

please help me manage on my below 9 product/facilities DEBT.
format ( current outstanding/total loan |  Year started loan | tenure | monthly payment )

CAR LOAN (HP)
HLB RM45,XXX / RM69,100 | 2012 | 9YRS| RM784

PERSONAL LOAN
BRRK-I RM103,XXX / RM110,000 | 2015 | 10YRS | RM1538
MBSB-I RM76,XXX / RM80,000 | 2013 | 25YRS | RM533
HLB-I RM30,XXX / RM30,000 | 2016 | 5YRS | RM715
CREDIT CARD (current outstanding / total limit | 5%)
MBB RM12,888 / RM12,000 | RM6XX
BRRK RM2,100 / RM3,300 | RM15X
RHB RM5,800 / RM7,000 | RM30X
HSBC RM6900 / RM8,000 | RM35X
AEON RM11,000 / RM12,000 | RM55X

AH LONG @ LICENSE MONEY LENDER
RM12,000 CASH OR RM3,200 FOR 6 MONTH
TOTAL = RM331,000 (exclude AHLONG)
SALARY = RM8,000 (AFTER DEDUCTION IS RM6,500 NETT)
other commitment
UNIFI RM179 + GST
DIGI RM180-RM200 (POSTPAID)
TNB+SYABAS RM150-200
AIA INSURANCE FOR FAMILY RM200
KIDS / KINDERGARDEN FOR 2 RM1,000
COWAY RM1XX

non-fixed
VEHICLE SERVICE RM100-RM150
TOUCH AND GO RM100-RM200
summarize;

BANK COMMITMENT
LOAN RM2788
HP RM784
AHLONG RM3,200
C.CARD RM2,000

FAMILY COMMITMENT / TO SURVIVE
RM2,500 (all above)

exclude toll, petrol food etc
The CHALLENGE is to reduce total product/facility going to AKPK as much as possible.
current self-approach (call banker 1 by 1)
1. MBB CREDIT CARD = willing to convert to fix term..4.95% pa.3yrs..monthly rm306 BUT need to reduce/cash paid limit below 80% (RM9,600 ) then able to convert
2. HSBC CREDIT CARD = 9-12% up to 5yrs but will approval/checking records
3. AEON CREDIT CARD = manager will call back since the facility (convert credit card to fix term) already been terminated recently (2016)
4. RHB CREDIT CARD = NO as stated by call operator
5. BRRK CREDIT CARD = no need , outstanding 2k can settle (after i cash out others credit.card available..perhaps?)
6. BRRK PERSONAL LOAN = need to meet manager at branch (will do)
7. HLB HP & HLB-I PERSONAL LOAN = call no answer, need to go branch
8. MBSB PERSONAL LOAN = call no answer, will re-try
really appreciate if someone in LYN forum able to offer some OUTSIDE 1 big loan to cover all above loan
(10-20 yrs tenure)
plan to get OUTSIDE/NON bank loan , settle all debt , get low/clear commitment as per CCRISS report, buy a house using bank loan, after 5 years refinance house, pay lump sump outside loan  :thumbsup:

FYI, this month-end i will go for AKPK. Already met then before (but not registered yet) .

steps:
1. cut expenses
2. increase income, do part time earn usd
3. setel the along in full. never drag
4. setel the brrk since thats the lowest one
5. proceed with the next highest interest rate item.
dont skimp on payments to
house, car and insurance.

dont sell house unless really no choice. once u sell you wont be able to buy back at the same price. and i doubt bank will allow refinance since ur credit already calar

Then better go apply another 500k and bankrupt?
300k also bankrupt, 800k also bankrupt.. Might as well bankrupt with some cash lo