Need your opinion:

My Credit Card = RM4,000 (min RM200)
Personal Loan= RM9,000++ (Monthly installment RM230)
Hire Purchase = RM42,000 (montly installment RM600)

My nett salary = RM2,410

Other expanses: Room rental RM420
Phone bill: RM100 (me and my mom's)

I know RM1k balance seems okay to some people but for me my money went out without me saving anything. Not a single cent! N yes, I have PTPTN loan oso that I have never paid since I graduated 3 years ago

Those who have experience with AKPK what kind of 'reduce' do you think they'll make as I read they only deal wih CC and PL. My dept is 43% of my salary so I have always live waiting for my next paycheque



This post has been edited by qeyaqilah: Oct 14 2010, 11:48 AM