Avoid Debt!

I believe everybody can't run away from debt! I'm very worried if my credit card goes up to Rm800. Normally I'll not use it unless very urgent or I purchase an expensive items such as sofa, aircond etc...

Here I would like to share ideas how to stay debt-free or reduce debt:

• Do not bring your credit card when you go out.
• Don't buy if you not afford it.
• Pay off existing debt: study loan
• Cut your expenses or reduce unnecessary expenses.
• Do a check list before go shopping

For me do a check list before go shopping is really effective. I know what I want to buy and never over spend on it. I also can save my time and will not spend time to long in the shopping complex.