It's never a good feeling to owe someone money.
It feels like having excess baggage at the airport. Not only do you have to carry it with you, you would have to pay more. With credit card debts, you'd have to take into account interest fees on top of the original amount.
You've tried so hard to pay them off but with your commitments and sudden change of life circumstance, the sum has never reached zero. Before you know it, you've accumulated at least twice the amount of what you initially owed.
Settling a debt is no easy feat. But it's not impossible either. You just need to know what you have to do and stick to the plan.
What's your WHY?
Firstly, ask yourself this:
Why would you want to be debt-free?
Perhaps you don't want to burden your family anymore. You're tired of the bickering and actually want to create a harmonious relationship with your parents, spouse or children.
Or maybe you just want to taste financial freedom.
Whatever it is, write down your #1 reason.
Then, imagine your life after settling all your debt.
How would you feel? Relieved? Happy?
Hold on to that vision. And by doing the following steps, it may just come true.
Ask for help
Begging might seem like an embarrassment. But we're not necessarily saying that you have to ask for money.
Instead, you could ask to alter the monthly repayment plan or extend the duration of payment.
While most debt management programs would only try to reschedule your debts, amalan would strive to negotiate for discounts.
This is because we understand that life may be more difficult for some.
We can't predict how life would be like. A sudden death of a family member, for example, might mean that you are now responsible for settling the deceased debts as well as yours.
By understanding our clients' needs and life circumstance, we feel compelled to give the best debt management plan.
And you deserve the very best.
Now, all you need is to pluck up the courage to ask for help. Know that we're here for you and all you need to do is to contact us here.
Once you have a debt management plan, all you need to do is to get the money.
This means taking on a higher paying job or work extra shifts and do the job well.
With the income you've gained, you might also consider to invest some of it so that the money will grow and you'd soon have enough to pay off all your debt.
To grow your funds, you would need one important element.
The willingness to work hard
You have your reason and you have a means to grow your funds.
Use your reason as a motivation for you to work hard at your present job. It can feel difficult at first but as you get used to the working culture and improve your skills, it will get easier.
You'll reap your reward soon enough and see the funds in your bank account grow.
In a matter of months or a few years depending on how hard you work, you will soon be able to pay off your debt.
Be patient and persistent
This is a long game.
As we mentioned, settling your debt may not be easy, but it's not impossible.
By agreeing to a debt management plan with us, you'll know exactly how much you need to pay each month and you can set a deadline to keep you accountable.
With that information, you can find jobs that match your skills and that would reward you with sufficient funds to not only live a comfortable life but also pay off your existing debts.
It’s time for you to take control of your finances and manage your expenses as well as your debt in the best possible way.
Remember: don't be shy to ask us for a free consultation.