Preventing credit card mess (3)

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Two actions for a quality lifestyles

Action plan 11
Focus on quality and not on spending. Check your statement and identify your killer spending habits.
The best coffee that I had was not from coffee bars like Starbucks, Coffee Bean, Strudels, etc. but from a small air-conditioned Indian restaurant in Leboh Ampang. The coffee is Bru Coffee and it cost me RM1.

Action plan 12
Look for alternatives.

For example, if a trip to London is too expensive, how about Melbourne or Shanghai? Buy used car instead of brand new? Share CDs, books, VCDs with your friends? Remember, whatever you do, wherever you go, when you live the moment you will realize that the means to the moment sometimes is insignificant. List down your killer spending habits (check your statement now) and brainstorm 3 solid alternatives for each habits.

Choose places where you are comfortable with their prices.
Whether you eat out or have fun in karaoke with a crowd of family or friend, choose a place that you are comfortable with the maximum prices in the menu ("All on me"”, you may happily say knowing it is affordable.) and not a place where you have to worry if they order the items above the average price of the menu.

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Income level has got nothing to do with debts problem. There are simply too many bankrupt higher earners around for us to know this. It is about how you treat your money and life, as simple as this.

Practice the above 12 action plans and let credit card problems be a thing of the past.

If there are material things in life that you couldn't do without, even if it means being NOT ABLE to pay off your cards this month or for the next few months, forget about all the above preventive action plans. Because, sooner or later, you WILL get into credit card debts trouble.

If this is the route you choose and you believe you can always get out of it, go ahead. No judgement here. (Honest! We all have the right to choose the way we want to live.)


12 amazing action plans avoiding credit card debts mess...
Part 1: Preventing credit card mess (1)
Part 2: Preventing credit card mess (2)
Part 3: Preventing credit card mess (3)

A refined article of twelve action plans in preventing credit card mess published in EzineArticle.