Money is such a huge driving force in our world today. Sadly some people can’t control their spending and loan habits that they tend to not manage their money and fail to pay their loans - be it credit cards, bank loans or mortgages.

The worst part about it is that, after failing to pay one, you’d be blacklisted and that makes it difficult to deal with banks if you need to in the future. Thus you have to look very hard for banks that offer bad credit loans.

Not only that, you have to look around for ways to repair your bad credit by improving your credit score and consolidating your debts.

Moral of the story? Manage your finances wisely

I hate moving house. The packing, the throwing away stuff and the unpacking utterly wears me out. I’ve lived in 2 houses in Miri, 5 houses in Kota Kinabalu and 2 in Petaling Jaya. Oh that doesn’t include the time i packed to study in Miri after Form 5. So thats 10 times of going through the whole moving process.

But when we moved from KK to PJ, we had professional movers to do it for us. All we had to do was pack our clothes and personal stuff. Everything else was packed by them. From furniture to the little ceramic cats that I collect in my display cabinet. Each individually wrapped with newspaper, bubble wrap and cardboard. Fantastic.

Aree is supposed to move house soon. I’ve advised her to look into moving companies. One online example is Relocation.com - where they provide lists of moving companies, car transporting and even international shipping.

I’m quite glad that we aren’t moving anymore. I’m sure they’ll be a lot of ppl who would miss me. Would you?

My sister was asking me where to get international calling cards or sometimes people call them IDD (International Direct Dial) cards. Her current bf (I say that as if she has tons. LOL!) is in Australia on holiday and I guess she wants to keep in touch with him.

I was browsing online for these cards and didn’t realize that there are so many different types on the market. There are some that charge you based on how many minutes. Then there are others that charge you an activation fee for unlimited minutes. It can get pretty confusing to review them all.

There are websites such as PinShark.com that offers discounts of up to 80% and lists down the best cards available to suit your needs. As international calling can get really expensive, this deal is really value for money. And all at your fingertips.

I’m such a spendthrift - we call it ‘boros‘ in Malay - someone who ’spends money prodigiously and who is extravagant and recklessly wasteful’.

Its only the 11th of January and I have somehow finished my allowance for this month which I got during Christmas. Crap. Must have been too much outings during this holidays.

I wonder how it’s going to be like once I’m working? I have to pay back my student loan. The minimum amount I’m supposed to pay each month is RM200 and that is for a duration of 20 years. According to the math, when I’m 43, I’ll still be paying my students loans! So I better pay more that the minimum amount and settle my loan fast.

Perhaps I need to go for credit counseling to curb my spendthrift habits. Note to self, must spend less money on unnecessary things. Either that, or find a rich boyfriend. LOL!

There was a question on the MalaysianBloggers forum about moving from a free blog service to their own dotcom. Well I think that having your own hosting and domain is better because then you can host your own blogging platform - like Wordpress which gives you more control over your blog(s).

Then, you can also host your own photos using many different photo album services instead of relying on free services which are limited. Not only that, dot com sites get better paid posts

However, there are so many different webhosts available. How do you choose the right one? Well, just drop by http://www.webhostingchoice.com and put your budget and requirements (size of space, bandwidth) then it’ll search for the most suitable webhost.

Good luck!

Its quite a hassle having bad credit. I remember late last year I had to use my name to register for a postpaid 3g line for a friend of mine because he got blacklisted by not paying his bills (he was renting a house with friends then moved out but forgot to cancel the house phone line which was under his name).

 
Example of credit cards for people with bad credit.

Bad credit happens when you fail to repay loans or declaring bankruptcy. Lucky for BadCreditOffers you can compare and contrast dozens of bad credit offers - like credit cards and bad credit loans - from major providers and find the best offer that fits your needs. Makes life easier doesn’t it?