Time To Receive Payments From Google AdSense Earnings August 24, 2009
Posted by Vedis in : Income Streams , comments closedIt’s the end of the month again. Time to receive payments from Google AdSense and advertising networks.
If I am not mistaken, there is $300 from Google AdSense earnings this time. $300 means RM1,000, you know.
As for affiliate products like bedding sets, anti wrinkle cream products, and anti-cellulite shorts, I don’t sell as many as last month.
I wonder if it has got to do with the fact that it’s low season for shopping now.
Not Used To Using IE For Online Work August 24, 2009
Posted by Vedis in : Internet , comments closedWow! I am so not used to using IE to do my online work at my sister’s office now.
I have been using Firefox all this while and a sudden change to using IE at my sister’s office makes me such a slow surfer. 
You know, it took me a while to open the browser and search for the Mesothelioma lawyers I wanted.
Do you think using Firefox to search for stuff is faster than IE?
Money From ClickBank Commissions & Amazon Referral Fees August 15, 2009
Posted by Vedis in : Income Streams , comments closedMy very first ClickBank check arrived two days ago when I was writing a colon cleanse review.
Without delay, I stopped writing the review and rushed to a nearby bank to deposit the check.
It’s ++ $124.00. It doesn’t mean $124.00 to me, it means RM430 to me.
I am ready to receive another check these two weeks. It’s from Amazon.com, more than $200. $200 is equal to about RM700.
I have come to love my niche blogs very much. Not only do they bring me Google AdSense earnings, they also generate ClickBank commissions and Amazon referral fees for me.
AKPK Saves Yet Another Credit Card Debt Woman Who Is Under RM200,000 In Credit Card Debt August 15, 2009
Posted by Vedis in : Debts / Credit Card Debts , comments closedHi, CEO, just saw the comments left by you about AKPK. Congratulations! I am happy for you too. Thank God that AKPK has saved yet another credit card debt woman from being sucked dry all of her income by expensive interest rates, late payments fees, over-limit charges and many other ridiculous payments put up by banks and creditors
I feel that your story should be read by many many out there who are still deeply in debt and don’t know where they can look for help to get out of debt, especially credit card debt.
First of all, A BIG THANK TO YOU FOR THIS BLOG. You are not only a woman of courage to reveal all that detail, but you have helped me tremendously.
I just got out from the AKPK office, and they proposed to reduce my monthly commitment from nearly RM10,000 to just RM2,000 p/m.
I got into a heavy credit card debt 5 years ago when a friend asked me to join him in a business. Trusting him, I quit my job, funded the business with my credit cards, supported HIM with a supplementary credit card (which he took only 1 month to swipe up RM20k), and lastly he just ran away, leaving me to pay everything.
Finally, the economy hit my career, and this month I had to accept a drastic paycut. It scared me at first, but I decided that maybe there was a silver lining.
I found your blog. I read and re-read it until 3 am.
I thought — maybe, if I go to AKPK, and they reduce my monthly repayment, I can actually start seeing some SURPLUS from my smaller income. Better to have a small income but with extra money, than having a big income but nothing to show for it. Of course, with my previous 5-figure salary, AKPK would just kick me out, but now I had the advantage of the situation.
Last Monday, I braved myself to go to AKPK. It was the hardest thing to do, to be SEEN walking into debt counseling. I have appeared in the media before, television, magazines and newspapers. Didn’t know where to hide my face. I arrived at 11.45, and was put immediately into the intro class.
I was surprised to see quite a few “corporate people” in the class, dressed in their office attire. I don’t know if they were as ‘embarrassed’ as I was to be there. I sat down for 1 1/2 hours, after which I immediately went to Bank Negara to collect my credit report.
I made the earliest possible appointment to see a counselor. In the meantime, I went to each bank and collected any missing statements.
I went to see the counselor this morning. She was polite, comforting and never did anything to make you feel small. She said she would try to negotiate it down to RM1,800 a month for the first 2 years then RM2,200+ thereafter. I said never mind, let’s make it RM2,000 flat.. I’m sure by the time the economy rebounds, I will be able to afford the RM2,000 easily.
She even guided me to fill up the application form properly (to fill the correct figures so the application can be approved easier). In short, she was there to help, and I mean REALLY help.
I got close to RM300k at first, but over the years, paying slowly, I have managed to bring everything down to under RM200k (which makes your RM60k something to smile about, actually!).
I have been earning 5-figures every month from my salary, yet I never get to taste my own money. My children have to settle for cheap clothings like poor kids.
Every month, I pay pay pay pay… I try to keep myself motivated, but it is tiring to wake up every morning, thinking to yourself, “I am running every day, only to stand still.”
She asked for the first payment to be deposited (RM2,000), which I will do next week as the banks are closed today. From there, processing will take approximately one month. She says no need to pay the creditors, if they call I just need to tell them I have submitted an AKPK application (and fax the deposit slip if necessary).
Fortunately I am not yet under any legal problems, and most of my loans are still current. If you are thinking about doing it, do it now. It is important to take action at THIS stage before the banks start harassing you.
I do not really care that I will not be able to get any new loans until the 10 years are up. I am selling my house and just live with the car. Maybe not now, but when the economy goes back up, and my salary climbs back to normal, I should be able to save up for a couple of years, and pay for a new budget-priced apartment in cash. The important thing is I will now have a positive income and room to breathe, and I HAVE YOU TO THANK.
God bless you. Please keep up the good work.
God bless you too. It feels good to have finally be able to breathe again without getting harassing phone calls and warning letters from banks and personal visits by third party collection agencies, right?
And I am always grateful to be given another chance to bring my financial back on track.
Auto Insurance, Life Insurance & Term Life Insurance August 12, 2009
Posted by Vedis in : Insurance , comments closed
So happy! It’s the first time I paid the utility bills early. Being able to pay the utility bills early means that I have money in hand.
If possible, I will also try to pay the AKPK debt repayments on the first or second week next month.
By making some payments on the first two weeks, I don’t have to be stressed out at the end of the month.
Speaking of payments, there is a need for me to save up a bit for the auto insurance that is going to due next month.
The life insurance premiums? Not so soon. What about the term life insurance premiums? Not so soon too.
Yeahoo, I am going to have some extra money left too next month.
Money Has To Be Saved For Gifts For Birth Announcements & Wedding Dinners August 4, 2009
Posted by Vedis in : Spending , comments closedHubby’s pay and my online income were used as planned. They were withdrawn to pay our AKPK debt management repayments, car and home loan installments and utility bills.
We were able to have the brake pads changed and keep some money for a few upcoming birth announcements and wedding dinners.
There are a few birth announcements and wedding dinners that money has to be spent on gifts; they are unavoidable expenses.
