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Wednesday, 15 October 2008


Yesterday we went to the bank and I open a new bank account exclusive for my family in Philippines. I have automatic transfer from hubby’s account to my own bank account. The transfer will go to my 2 bank account. I have 2 bank accounts at the same name. One is for the house and the other one is for my own. Then yesterday, I open another one because this money transfer that I am into now to send to my family is online transfer. I don’t want to use any of my 2 accounts so I decided to have another one just for my family. This account is empty. We will only make a deposit if we need to send money to them. In this way, I feel safe because there’s nothing in this account.
While doing the transaction yesterday, the woman offers me a visa card. I already have MasterCard as hubby’s extension. But I want to have my own. I was not able to make up my mind yesterday so I told the woman that I will call her back as soon as I will fix my mind. I was hesitated to have it because just now, I’m the one who pays all the bills in the house. I’m the one who do the budget. Well, the money is already there. All I need to do is make sure that I will not spend more than what I have in the bank. I’m really afraid of debt because I know a lot of my friends that are suffering from debt. They made a loan from the bank with their house as collateral. They use their credit card for their daily needs. When it’s time to pay the bills, they don’t know where to get the money because their salary is not enough because of the interest of their debt that goes up and up. They get so stress. They have to work overtime or work 2 jobs. I know some of them are into debt consolidation. This is a program that offers free ongoing credit counselling services and educational materials regardless of whether or not consumers enroll in the debt management plan program. Also offers free educational seminars to the public. This program helps them a lot. They are not stress now like before. They know how to manage their money and pay the bills regularly without any hassle.