The last federal budget took a constructive view of household debt and came up with well-planned strategies to handle it.

Read More: https://www.freemalaysiatoday.com/category/opinion/2024/10/15/how-the-2024-budget-helped-tackle-household-debt/

Laporan Lanjut: https://www.freemalaysiatoday.com/category/bahasa/pandangan/2024/10/15/bagaimana-belanjawan-2024-bantu-tangani-hutang-isi-rumah/

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Dr Tan Cheng Bock helped to start the Credit Counselling Singapore (CCS)

Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a “spending fast” will help you get on the road to living debt-free.

In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate “spender,” she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn’t take action, but she didn’t know where to look for help. On a whim, Anna decided to go on a spending fast—an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune.

Anna’s journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including:

Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you’re in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you’re out of debt, so that you stay out of debt.

Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.

How ANY student–including YOU!–can win scholarships and earn free money for college!

On the first day of high school, Kristina Ellis’s mom–a single, working mother who lost her husband to cancer–informed her that she could not financially support her after graduation. Kristina would need to find her own way to pay for college.

As an average student with less-than-impressive test scores, Kristina realized she would have to sell herself to scholarship committees if she wanted to stand out. That’s when she devised the plan that led to her receiving over $500,000 in scholarships–enough to pay for her full education at a top- 20 university, all the way through her doctoral degree, and make her dreams come true.

How she made it happen–and how you can too!–is the focus of this book. In Confessions of a Scholarship Winner, Kristina shares not just her little-known secrets for scholarship success but her incredibly inspiring story.

Together, you’ll explore how to:
Find the best scholarships for you Uncover the secrets behind paying for college Make a great impression in a scholarship interview Overcome the personal obstacles that stand in your way Craft a strategy that highlights your strengths, no matter your challenges or your financial status
You don’t have to be a star athlete, a top student, or a recognized leader to live your dreams! Here are the tools you need to catch a vision for your future and make your dreams a reality!

Endorsements

“Kristina Ellis’s story is absolutely inspiring. And the ‘insider’ information she presents in this book is just as motivating. If you’re looking for great ideas and easy-to-follow advice from somebody who has already blazed the scholarship trail, Kristina Ellis is the choice. Confessions of a Scholarship Winner is the only book you’ll need for creating your own path to success.”
–Curt Jones, Founder CEO, Dippin’ Dots Ice Cream

“I wish I had been given a copy of this book in high school– what an incredible resource for young people! Now everyone will understand that going to college really doesn’t have to leave you or your family in debt for years. Students and parents alike need to read Confessions of a Scholarship Winner!
–Brenna Mader, Miss Tennessee USA

“Confessions of a Scholarship Winner is a fantastic resource for anyone who wants to learn more about the college financial-aid and scholarship process for attending a college or university. Kristina’s personal story is both compelling and accessible, and her clear, thoughtful writing helps makes this an indispensable resource for the college-bound student.”
–Dr. Thomas Burns, Provost, Belmont University

“I love this easy-to-follow guide for finding and winning scholarships. Confessions of a Scholarship Winner is packed with information, yet it is presented so well that it’s not intimidating. It’s a fast read and easy to implement. Homeschool.com highly recommends it.”
–Rebecca Kochenderfer, Senior Editor and Co-Founder, Homeschool.com, Inc.