Those who are muslim, perhaps can try do biz at bazar ramadan this year, last year alone I managed to get clear profit of rm15k during bazar biz (24 days).

After raya, I went to the bank, renegotiated the amt of o/s for cdt card by saying that I want to pay lump sum & they gave rebate on interest which is quite amazing. by the profit I have, I cleared all my 3 cc o/s. Now I just concentrated to pay my personal loan which I paid using my salary (left another 6mth)

Yerp, I'm not self-employed, yet it's not excuse for me to not doing biz as well. Consider it as a bonus month