Guys, need advise. My debt is nt that huge amount bt i decided to stay away from debt. I decide to not to use cc anymore. My situation is.
- i have cc outstanding balance rm3k
- PL outstanding balance around rm2.5k (loan rm3k, 2 year, 24 pcnt interest per year, pay monthly rm250 ends jun 2010)
- Earn around rm2-2.2k.

How would AKPK calculate? I still blur2 about this. If i want to settle the debt within 6 months, i assume i needto pay monthly rm800? Bt hw about my PL interest? The total interest frm bnk is around 48 pcnt, cn they rduce the interest? If can i can save around 18pcnt of interest d, thats a lot.. Cn smone help me explaining?

Thx boon, yeah im glad my debt is not that high compared to other. But i just dont like debt. Something tht i totaly forgot when i fill up the loan app form. Another reason i wana settle em in 6 month is bcoz i wana buy car. So if those 2 things are cleared bfore buying car, the lesser the burden..