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Need Credit Counselling Help

Posted on December 31, 2008
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I just got back from a nice lunch. Got up rather late this noon and had to rush off without any food. As we had lunch at the mall, naturally, we also ended up shopping, lol. What’s new, huh. I know the economy is not going to improve anytime soon, but what the heck. Everything is so cheap here. I only buy items that are at 50 to 70% off list price. A branded Tee with a normal price tag of 100 bucks now cost 30 bucks only. How to resist. I bought a dozen for my kids and got some discount vouchers for future purchases. I still get more savings on my next shopping trip. Win-win situation for both consumers and retailer.

Well, i’m not splurging, k. My kid has outgrown most of his clothes and need new ones. If not, i wont buy him so many at one go. The younger one can wear hand-me-downs, poor thing. But that doesnt mean i wont buy him a few pieces if i come across a good deal. So, be a smart shopper and dont overspend. Chinese New Year is about three weeks away and i guess there are many places on SALE now. Be on the look out for good buys. Check all the merchandise properly for defects. It’s very common to end up with defective goods as everyone’s snatching away at everything they see without checking first.

For those of you using credit cards, be careful with it. It’s a very convenient piece of plastic to have when out shopping, but can make a huge dent in your personal finances if you arent careful with it. And make sure you make your repayment on time and in full as interests incurred on credit cards are very high in the long run. I had a few friends who busted their credit limit during the recent Christmas Sale. They are now complaining and worried as to how to settle their bill when their credit card statement arrives.

Dont be like them, k. Sometimes, it only takes a few swipes of the credit card to get you into deep financial disaster. In the event you find yourself in debt and have difficulty making repayments, it’s best you get yourself some Credit Counseling fast. Dont allow yourself to fall deeper into financial difficulties. Take the first step to get your finances back in shape. Dont let it ruin your life as it take s long time to rebuild a good credit history again.

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