It's Me Muhammad

16/10/2022

It looks impossible to live a debt-free life, considering that debt can rack up easily when you have a lot of things to pay for, from your student loans, your mortgage, your vehicle, credit cards, everyday expenses, and other forms of debt.

However, it is possible if you want to live frugally and only spends when it is needed.

The benefit of debt-free living is straightforward, you have financial freedom and a bigger budget to spend on things.

You would be able to have savings and enough balance in your bank account for emergencies or important things in the future.

However, this is only possible if you know how to manage your cash flow wisely.

It is easier said than done. The inflation has hit our shores badly and the cost of living in Singapore has become too difficult for Singaporeans to cope with.

Many rely on secondary jobs to survive or pay their outstanding debts.

Therefore it is important to manage your cash flow and keep your credit score healthy.

𝐇𝐨𝐰 𝐭𝐨 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞 𝐫𝐢𝐬𝐤 𝐠𝐫𝐚𝐝𝐞 𝐢𝐧 𝐒𝐢𝐧𝐠𝐚𝐩𝐨𝐫𝐞?

🔹Always repay loans on time
🔹Avoid making multiple loan inquiries in a short time
🔹Don't have too many credit facilities open
🔹Never default on your loans
🔹Take and repay a loan to repair damaged credit

Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
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Discover how to clear your outstanding debt for a private and confidential discussion.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣

19/09/2022

One of the most common mistakes made by potential victims was to express interest in a loan offer made by unregulated companies. Once they sense your interest or knew you are in desperate need, they will do everything to convince you to accept the offer.⁣⁣
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It is always advisable to conduct a check on the lender you are engaging with. Do they have a physical address? The lack of an office or physical address is a red flag for a potential loan scammer or unregulated loan companies.⁣⁣
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Always refer to the list of authorized loan companies in Singapore. You must ensure they are registered and regulated by the Ministry of Law. You should validate your lender’s websites and contact details with the Ministry of Law.⁣⁣
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These companies may try to attract you with very low-interest rates when offering a loan. In some cases it might be true, however, there will always be a hidden agenda if you are not careful.⁣⁣
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Always read the terms and conditions upon signing the contract as it may be disguised as a different loan that you have applied for. The regulated loan company will verify if you are eligible for the loans offered and they will advise and assist based on the inquiry you have submitted.⁣⁣
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⁣Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ​ ​ ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣⁣
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Discover how to clear your outstanding debt for a private and confidential discussion.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
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𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣

14/09/2022

No matter how small your debts are, being in debt affects your mental and physical health. It causes stress and affects your decision-making.
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When you are overwhelmed with financial problems, you might start to feel like, no matter how hard you work. You are stuck in the same cycle as you were previously.
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A former auxiliary officer who faces mounting debts, makes an unethical decision to rob a licensed moneylender. The wrong decision he made led him to criminal charges and imprisonment.
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Althought his decision is wrong and it is a criminal offence. We must sympathise that his actions may due to the pressure he faced trying to solve his financial problems.
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ​ ​ ​ ​ ​ ​ ​ ⁣⁣⁣⁣
​ ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
Discover how to clear your outstanding debt for a private and confidential discussion.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
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𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣⁣
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The AETOS auxiliary police officer copied the Standard Chartered robbery, where offender James Roach showed the bank teller a note demanding money. However, in this case, he actually had a loaded gun.

31/08/2022

Singapore is facing adversity as the cost of living is rising very sharply. The GST is set to rise from 7 percent to 8 percent in 2023. And in 2024, the GST will rise from 8 percent to 9 percent.​
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Households in Singapore have made adjustments to their monthly expenditure in order to survive. Many families in Singapore are affected by inflation. ​
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Although, the government has taken measures by giving out subsidiaries to lower-income and middle-income families. Singaporeans across all income groups are feeling the pinch.​
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Many Singaporeans took up secondary jobs to pay off outstanding debts and to have small savings. And to support their family's living expenses. ​
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Given the choice, most people would choose to work in one job. However, the cost of living is one of many factors for Singaporeans to fall into a debt trap.​
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When debt becomes unmanageable due to the rising cost of living and loss of income. Debtors make impulse decisions that lead them to a deeper rabbit hole.​
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
⁣⁣⁣⁣⁣⁣⁣​
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
📱https://www.facebook.com/muhd.abdul.vivassociates ​
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VIV Associates Tik Tok​
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​ ⁣⁣⁣⁣⁣⁣⁣⁣⁣Discover how to clear your outstanding debt for a private and confidential discussion.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
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𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣⁣​
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29/06/2022

𝐀𝐧 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥 𝐰𝐢𝐭𝐡 𝐧𝐨 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐰𝐨𝐫𝐤𝐬 𝐭𝐰𝐨 𝐣𝐨𝐛𝐬 𝐢𝐧 𝐨𝐫𝐝𝐞𝐫 𝐭𝐨 𝐩𝐚𝐲 𝐨𝐟𝐟 𝐡𝐢𝐬 𝐝𝐞𝐛𝐭𝐬.⁣
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Debt is becoming more common during these difficult times. An economic downturn, recession, and rising unemployment are typical scenarios that contribute to the rise of debts among Singaporeans.⁣
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When facing financial difficulties with a lack of support, the biggest mistake is to pay off only the minimum sum of the outstanding balance. ⁣
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The interest will accumulate daily, and rolling over balances can snowball into more enormous debts if you continue to pay the minimum amount.⁣
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Overwhelming debts can result in stress and poor mental health because you are constantly thinking and worried about how to manage your huge debt that has been accumulated.⁣
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Your monthly salary is used to pay the outstanding debts, and you are left with little to survive or support your family.⁣
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I have seen many individuals working two jobs to pay their outstanding debts. Recently, I met an uncle who struck a chord with me.⁣
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A sole breadwinner with three children, two of his children, are still in a secondary school, and his eldest daughter is currently studying diploma. ⁣
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His wife is undergoing weekly dialysis treatment because she has kidney failure. The cost of dialysis treatment has also affected him financially.⁣
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For two years, he works two jobs to pay for his outstanding debts. His debt has accumulated to $90,000, and he pays $3,500 monthly to his Money Lenders and banks.⁣
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He works a twelve-hour permanent night shift, six days a week, as a Security Officer. After he has clocked out from his shift, he continues his day by working as a cleaner. ⁣
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He will only end his shift in the late afternoon for a short rest before committing to his full-time job. ⁣
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As he shared his story with me, he carried so much weight over his shoulders, and it was clear he was worried about his children and his family.⁣
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He was a relief after sharing his story with me. His confidence increased, and he knew he had overcome a critical obstacle to becoming debt-free.⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
⁣⁣⁣⁣⁣⁣​⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ​ ​ ​ ​ ​ ​ ⁣⁣⁣​⁣
​ ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
Discover how to clear your outstanding debt for a private and confidential discussion.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣​⁣
⁣⁣⁣⁣⁣​⁣

21/06/2022

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Do you feel like you are drowning in debt? Have you ever considered simply ignoring your debts? What's the worst that could happen if you refuse to pay them back?⁣
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Neglecting your outstanding debt has obvious consequences. In addition to receiving letters of demand and late fee charges, the longer you ignore your debt, the more interest it will accrue. ⁣
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In the end, this will cost you a lot more since you will have to pay twice as much as you originally owed.⁣
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Being in debt can be stressful and negatively impact your mental and physical health. ⁣
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You are in a situation where you are not comfortable, and you are stressed out over the responsibilities you have to shoulder.⁣
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If you don't take action and don't acknowledge that you need help to correct your financial situation, the cycle never ends.⁣
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Debt never goes away on its own, and there is no magic formula for clearing it. Even when you try to avoid it, not dealing with your outstanding debt can be worse than just facing it and making an attempt to fix the situation.⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣⁣
⁣⁣⁣⁣⁣⁣​⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ​​ ​ ​ ​ ⁣⁣⁣​⁣⁣
​ ⁣⁣⁣
for a private and confidential discussion, discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣⁣
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣​⁣⁣
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13/06/2022

In the face of hopelessness, frustration, and obstacles. It is all too easy for you to make one wrong decision. The cost of your desperation left you with substantial outstanding debts. ⁣
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Everybody makes mistakes, which is the more brutal truth we all must admit. The difficult part is that acting on what you’ve learned will require the discipline and motivation to change your habits. Doing so will help you to avoid self-sabotage in near the future.⁣
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Your actions are essential parts of you that, when made, are almost impossible to reverse. This is why making decision carefully before implementing them are important. ⁣
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A crucial aspect of decision-making is thinking; you must analyze your decision before committing it. Many people often make the same mistake without realizing it. ⁣
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It is hard for them to exit this vicious cycle when they are trapped in it. You have the opportunity to change your life at any given moment. Do not make the same mistake twice.⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
⁣⁣⁣⁣⁣⁣​⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ​​ ​ ​ ​ ⁣⁣⁣​⁣
​ ⁣⁣
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​⁣
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣​⁣
⁣⁣⁣⁣⁣​⁣

08/06/2022

𝐌𝐚𝐧𝐲 𝐟𝐚𝐭𝐡𝐞𝐫𝐬 𝐚𝐫𝐞 𝐮𝐧𝐝𝐞𝐫-𝐚𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐞𝐝!​
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Recently, I met a family of 5. The father is the family's sole breadwinner and earns a median income to support and give his family a comfortable life.​
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The essential expenditure for a family with young children is costly, and many families may not have enough emergency funds for unforeseen events. ​
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Taking up loans and using credit cards for emergencies may result in unmanageable debts. With so many financial responsibilities to shoulder, unmanageable debt can do more harm financially and physically.​
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I can see this father was worried for his family and his young children, and there was so much burden he carried with him when he shared his story with me.​
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After our sharing session, there was a relief and a smile on his face. He became more confident, and he knew he had completed part of his obstacles to a debt-free journey.​
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
⁣⁣⁣⁣⁣⁣​
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
📱https://www.facebook.com/muhd.abdul.vivassociates ​ ​ ​ ​ ​ ​ ⁣⁣⁣​
​ ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣​
https://bit.ly/BeDebt-Free ​ ​ ​ ​ ​ ⁣⁣⁣⁣⁣​
⁣⁣⁣⁣⁣​

03/06/2022

It’s natural to face tough times through the cycle of life. We have to make hard choices, difficult decisions, and impulsive decisions that lead us deeper into our downfall. ⁣
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The bitter truth, we must accept things are not always in our control. That can be stressful and challenging when we think about it.⁣
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There are days when you feel driven and motivated, and there are days when you think you are at your lowest.⁣
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No matter what you have been through or how you feel right now, life will always find its ways to disappoint you. It is normal for you to feel the ups and downs of life. ⁣
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Everybody faces different obstacles in life, and it is ok to feel like a failure. The most important thing is don't lose faith.⁣
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When you face so many obstacles, the most important thing you must believe is that nothing lasts, and things will never stay the same forever. ⁣
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When your debts are mounting, and you have your back against the wall. The best solution to tackle your problem is by admitting it and addressing it.⁣
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Suppose you can forgive yourself and take the initiative to make a change. You are 50% to achieving your goal rather than doing nothing and regret later in life. ⁣
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That one short may give you the leverage you need to change your life for a better future. ⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣

02/06/2022

Making minimum payments each month is a guaranteed way to be stuck in debt. It is a hard truth to swallow when you are in a difficult situation. ⁣⁣
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For example, if you have an outstanding debt of $5000, you only make a minimum payment of $50 or 3% of your outstanding balance. ⁣⁣
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⁣It will take you about 14 years to complete your payment, and it is three times the original amount.⁣⁣
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I have met many people who struggled to make monthly payments to their outstanding debts. ⁣⁣
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A handful of them took the initiative to make a minimum payment, but many of them did not make a single payment until the creditors sent them “love” letters. ⁣⁣
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When you are in a tight situation, you will try to find a quick, easy solution to fix your immediate problem. ⁣⁣
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However, the problem is still not solved. You found yourself in a more worst situation than you can imagine or anticipate.⁣⁣
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Many tried applying for loans from different banks, but they did not meet the criteria given by the banks. ⁣⁣
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Therefore their application is rejected, and they turn to other Licenced Financial institutions or Money Lender as a quick fix for their outstanding debt. Still, they dig even deeper holes for themselves. ⁣⁣
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The truth is, they can not cope with the higher interest rates given by the Money Lenders. I have met many people who took a loan from Money Lenders and had to pay higher monthly installments. ⁣⁣
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Life became complicated for them because a huge portion of their salary goes into paying their monthly installments, and they are left with little to spend or even to save.⁣⁣
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Think about it, if you have the opportunity to make it right and the solution is available for you. ⁣⁣
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What is stopping you from making it right?⁣⁣
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⁣⁣Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ⁣⁣⁣⁣
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Meet our Team of Debt Restructuring Associates (DRA) - the people you will meet during your private consultation.

As DRAs, they are responsible to attend to clients who have made inquiries to understand the services that we provide.

As each case is unique on its own, our DRAs will assess and advise on the solution that is most suitable for the client’s needs.

The undivided attention and assurance given to each individual client will enable them to have peace of mind knowing that 5 years down the road, they will be able to live debt-free.

27/05/2022

Financial transparency is an essential part of any marriage. Many couples fail to understand exactly why it is important. ⁣⁣
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There are several things married couples need to do to nurture growth in their relationship. Financial stability is one of them. ⁣⁣
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Financial transparency is a continuous process that married couples need to work on. A relationship will last if couples are transparent toward each other.⁣
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Debt is one of the areas of financial transparency that couples need to discuss with their spouse. This will help couples plan strategies to manage their finances and their obligation.⁣⁣
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Married couples must be transparent with their income. ⁣Couples must have financial planning for rainy days, grow their wealth for retirement, and manage mandatory expenses.⁣⁣
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This is the direction that couples need to go and aspire for. Regardless of how marginal it is, the financial decision that couples make will impact and should lead to their financial goals. ⁣⁣
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If there is no communication between couples, serious and deeper issues may arise from the failed communication.⁣⁣
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⁣⁣Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates
⁣⁣⁣⁣⁣⁣⁣
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ⁣⁣
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02/05/2022

🥰

12/04/2022

When there is no support system and there is no hope. It’s easy to feel isolated when you are in serious debt. ⁣
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You may feel embarrassed or worried about what your friends and family will say, so you keep the debt problem bottled up. ⁣
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Many people have successfully gotten out of debt with a government-assisted program. It is essential to take a step forward to disclose your problems and get help. ⁣
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You must know that there is no judgment against you. Hold your head high and be proud of yourself because you took the initiative to make a change and move forward on a debt-free journey.⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates
⁣⁣⁣⁣⁣⁣⁣⁣
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free

From credit card to education and housing loans, these are some of the common debts most Singaporean adults incur. Here's how to repay them.

24/03/2022

Everybody is worried about money, and many of us are dealing with financial stress and uncertainty at this challenging time.

Whether your problems stem from a job loss, escalating debt, unexpected expenses, or a combination of factors, financial worry is one of the most common stressors that we have to face in our daily lives.⁣⁣⁣
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Financial problems significantly impact your mental and physical health, your relationship, and your overall quality of life.

You feel beaten down by money worries that adversely impact your sleep, self-esteem, leaving you angry, ashamed, and fearful.⁣⁣⁣
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Financial stress can even prompt suicidal thoughts or actions in the worst circumstances.

But no matter how hopeless your situation seems, there is help available.⁣⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ⁣⁣⁣⁣⁣⁣⁣
⁣⁣
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣

𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free

⁣⁣⁣⁣⁣
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🔄 Be in control of your debt through our government-assisted programme today!

Simply click on the link here to get started: www.viv.com.sg/debt-freedom

19/03/2022

𝗣𝗮𝘆 𝘆𝗼𝘂𝗿 𝗖𝗿𝗲𝗱𝗶𝘁 𝗖𝗮𝗿𝗱 𝗕𝗶𝗹𝗹𝘀 𝗼𝗻 𝗧𝗶𝗺𝗲⁣⁣⁣⁣
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Do you know that most credit cards charge an interest rate of 24-26% per annum? So you should make an effort to pay for your monthly credit card bills both in and on time. ⁣⁣⁣⁣
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This is to prevent interest and late fees charges while leveraging on the perks of your credit cards.⁣⁣⁣⁣ Paying the minimum amount each month will take you many years to complete your payment. ⁣⁣⁣⁣
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Often people think paying the minimum will not affect them but they are dead wrong because the outstanding balance may spiral out of their control. ⁣⁣⁣⁣
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Credit card interest is calculated daily, this means the amount you owe is compounding with interest daily. The longer you prolong your outstanding debt, the more interest your credit card will accumulate.⁣⁣⁣⁣
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The benefits of paying your credit card bills in full and on time vary from bank to bank. But the benefits outweigh late fee charges and accumulating interest.⁣⁣⁣⁣
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𝗕𝘂𝗶𝗹𝗱 𝘆𝗼𝘂𝗿 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱𝘀.⁣⁣⁣⁣
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The high cost of living and no increment of your salary should not prevent you from saving for rainy days.⁣⁣⁣⁣
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However, it is easier said than done, many of us are struggling to save and often we find ourselves in a situation where we need to use our emergency funds for emergency medical treatment or higher purchase.⁣⁣⁣⁣
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Start small and use the time to adjust your spending patterns. You must have your basic needs and your wants, an ideal emergency fund should have 3-6 months of your salary. ⁣⁣⁣⁣
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This will give you a buffer in the event you have to make unforeseen payments. Try saving at least 10% of your monthly take-home income. Ultimately, you should decide what ratio works best for you based on your goals and lifestyle needs.⁣⁣⁣⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ⁣⁣⁣⁣⁣
⁣
for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣

𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free
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18/03/2022

𝘽𝙧𝙚𝙖𝙠 𝙏𝙝𝙚 𝘿𝙚𝙗𝙩 𝙏𝙧𝙖𝙥⁣⁣⁣
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People accumulate huge debts and run into financial trouble for various reasons. Some borrow too much and have difficulties repaying their debts. ⁣⁣⁣
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Others might find themselves unable to control their spending habits and charge their purchases to their credit cards after making large one-time purchases such as a first home or new car.⁣⁣⁣
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Avoiding debt is more straightforward than getting out of it. You can avoid the debt trap by managing your money and saving up for possible emergencies while being disciplined in your finances.⁣⁣⁣
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I have met many individuals with average debt ranging from $20,000 to $100,000. All these individuals got into debt for various reasons, and some of them got into debt because of overspending without repercussion. ⁣⁣⁣
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Others got into debt because they were retrenched, and they became unemployed with depleting savings. When there is no income to bring in, they face difficulties paying their bills and loans. Others took up loans to pay for emergencies such as medical bills or helping a family member. ⁣⁣⁣
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All the stories are similar and saddening at the same time. However, you can't help someone who does not want to help themselves. ⁣⁣⁣
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Many people in debt are still in denial because they don't believe they have a debt problem. Their spending habits will not change and their financial issues worsen overtime.⁣⁣⁣
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Make the change for a better future, and your journey starts with me.⁣ Get in touch with me at: ⁣⁣⁣⁣
⁣⁣⁣⁣
☎️(65) 90671909⁣⁣⁣⁣
✉ [email protected]⁣⁣⁣⁣
📱https://www.facebook.com/muhd.abdul.vivassociates ⁣⁣⁣⁣
⁣⁣⁣⁣
⁣⁣for a private and confidential discussion and discover how to clear your outstanding debt.⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣

03/03/2022

⁣⁣
Berhutang menjadi risiko yang besar jika kita tidak pandai mengurus kewangan kita. ⁣⁣
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Telah banyak golongan di dalam masyarakat kita telah terperangkan dalam hutang yang besar apabila mereka tidak dapat menguruskan kewangan mereka. ⁣⁣
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Kebanyakan yang berhutang mengambil risiko tanpa memikirkan jika mereka mampu membayar bayaran bulanan.⁣⁣
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Mereka berhutang kerana dalam keadaan yang terdesak. Mereka menggunakan wang pinjaman untuk menutup hutang-hutang dan bil-bil yang telah tertunggak. ⁣⁣
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Ada di antara mereka yang berhutang, kerana mereka perlu membayar pinjaman dana sekolah dan pinjaman untuk ubah suai rumah.⁣⁣
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Ada yang terjebak dalam hutang kerana menjalani gaya hidup yang mahal. Mereka tidak pandai berjimat, mengatur dan merancang kewangan mereka.⁣⁣
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Apabila hutang telah meningkat, kehidupan menjadi lebih susah dan banyak masalah akan timbul dengan jangka masa yang pendek. Perselisihan fahaman antara suami isteri akan sering berlaku dan kebahagiaan rumah tangga mula merosot. ⁣⁣
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Jika anda mahu membuat pinjaman, tanya pada diri anda soalan-soalan ini.⁣⁣
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🔴 Adakah anda mampu membayar bayaran bulanan, dan adakah ia tidak menjejaskan perbelanjaan bulanan anda?⁣⁣
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🔴 Adakah anda mempunyai simpanan yang mencukupi jika berlaku sebarang keadaan yang tidak diduga? ⁣⁣
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🔴 Adakah anda memerlukan pinjaman anda untuk tujuan yang dimaksudkan.?⁣⁣
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Jika anda ada masalah hutang dan tidak dapat membuat bayaran bulanan yang tepat dan juga hanya mampu membayar bunga sahaja. Anda boleh hubungi saya di rujukan bawah ini;⁣⁣
⁣⁣
☎️ (65) 90671909⁣⁣⁣
✉ [email protected]⁣⁣⁣
📱 https://www.facebook.com/muhd.abdul.vivassociates ⁣⁣⁣
⁣⁣⁣
⁣⁣⁣untuk perbincangan peribadi dan sulit dan temui cara untuk menyelesaikan hutang anda yang tertunggak.⁣⁣
⁣⁣⁣
𝑴𝒂𝒌𝒆 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒈𝒆 𝒇𝒐𝒓 𝒂 𝒃𝒆𝒕𝒕𝒆𝒓 𝒇𝒖𝒕𝒖𝒓𝒆.⁣⁣⁣⁣⁣⁣⁣
https://bit.ly/BeDebt-Free ⁣⁣⁣⁣⁣⁣⁣
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