A Glimpse of Me

I had a very bad spending habit. I shopped till I dropped. Or worse, sometimes, I realized that there are things I bought which is not needed and end up not being used. Last year was the worse. I went back to the Philippines for a holiday with my family. Hubby sent me and the two kids there and he came back to Malaysia after 3 days only and I and the kids stayed on for about 6 more weeks.

That 6 weeks that we spent there was very grand… meaning I spent so much it really hurt our pockets. Not just pockets but our credit limit. I used up my credit card to the max. I thought that time that I only went back home once in a while so it was worth spending money with family and friends… only to realize later that it was too much. Way too much.

My spending was too much that until now, my hubby is still paying for my debts. I think I need to have a credit consolidation. I want to be free of debts. I don’t want to spend the rest of my year paying off debts. I want to improve my credit score. I’m sure it would be a help if I at least consolidate my credit.