Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

 AKPK or ownself?, need u guys to tell me the opinion..

views
     
SUSxeda
post Jan 12 2017, 02:13 AM

Enthusiast
*****
Senior Member
740 posts

Joined: May 2007
From: Land of Smiles.


This doesn't look like a normal case of accidentally used too much money/gambling/whatnot.

I suspect it's your lifestyle that is the issue here. I suggest going to AKPK and settling your loans then start fresh.

Don't even think about finding short cut/short term solution like what you already have in mind - taking a one big lump sum loan and later refinancing your house - this does not solve your problem, but merely delaying it. Worst of all, if you can't pay off your loan commitments now, what makes you think you'll be able to pay the refinance of your house later on?

Most probably you won't be able to and you'll lose the house, which is bad because you've got a family.

AKPK and stick to it, clear everything the hard way and then stick to your finances.
SUSxeda
post Jan 12 2017, 10:21 AM

Enthusiast
*****
Senior Member
740 posts

Joined: May 2007
From: Land of Smiles.


QUOTE(remy_tailo @ Jan 12 2017, 10:16 AM)
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
*
Stop being delusional.

YOU CANT AFFORD TO GIVE YOUR FAMILY THE BEST LIFE.

The way your life is heading, you're not giving your family a good life, you're giving them mountains and mountains of debt.

Go to AKPK and stop living in luxury.
SUSxeda
post Jan 12 2017, 07:47 PM

Enthusiast
*****
Senior Member
740 posts

Joined: May 2007
From: Land of Smiles.


QUOTE(remy_tailo @ Jan 12 2017, 10:28 AM)
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
*
3600 AKPK including credit card per month is quite reasonable what. You still have some balance after paying AKPK, should be enough to pay for ah long. Then your family expense you just have to cut it down and share the burden with your wife la.



 

Change to:
| Lo-Fi Version
0.0146sec    0.73    6 queries    GZIP Disabled
Time is now: 16th December 2025 - 05:06 PM