Be out of debt… pls…

Being in debt is not fun. Being out of debt, after being deeply in debt, is definitely good, and the feeling is good. How I know? I was in debt once, and was in quite a bad one. Managed to get out of it, although partly still - but now pretty much in control.

But one thing I have to admit - most of the time you don’t know if you need help when you are in debt. Most of the time, you won’t admit that you are in bad debt. So if you are in need, get all the debt help you can get.

You can always opt for Individual Voluntary Arrangement or IVA when you in the brink of bankruptcy - you’ll get the protection from loan interest and that. Just ain’t sure if that’s available in Malaysia.

Another way to get out of debt fast is to do debt consolidation. Get all your debt in one place, and stop adding anymore new ones. That way, you know what your debts are, and more likely to freak out when you see the consolidated amount. That way - you’ll be able to control your spending, and plan your financials properly. Good luck!