Owe Bank alot of money because bonk too much.....

[lawry]

Originally Posted by ·Ïñ§ØmÑ¡â·

Serious ah? Pging 4 Tripster. pging 4 tripster..u can go izit? but paiseh...my hotel all booked liao..maybe you can share my room if you dont mind.

We foursome everynite!!!

[Tripster]

Originally Posted by ·Ïñ§ØmÑ¡â·

Serious ah? Pging 4 Tripster. pging 4 tripster..u can go izit? but paiseh...my hotel all booked liao..maybe you can share my room if you dont mind.

Bro Lorry meant to say is I am planning a trip up north to Hatyai. I doing travel arrangements and will jio the brudders here. If you want also can. when my details work out, I will let brudders know...you going HKG sorry cannot make it with you. If I can I will cheong Mong Kok with you!!!

Trip

Originally Posted by Tripster

Bro Lorry meant to say is I am planning a trip up north to Hatyai. I doing travel arrangements and will jio the brudders here. If you want also can. when my details work out, I will let brudders know...you going HKG sorry cannot make it with you. If I can I will cheong Mong Kok with you!!!

Trip

Like dat miscommunication lah....I thought Ah law meant you can go all the way to HK, then got kaki mah.....I'll be there a few days only for work...talking about work, my boss now calling me..tcss over..talk to you again bro.

[sdfr]

Originally Posted by clark_kent

Fellow Bros,

Don't know whether should post here.

But seeking advise of what to do?

I owe bank alot of money because bonk too much.

Anybody can advise me what to do?

STOP BONKING LAAAAAA HAIZZZZ

Originally Posted by lesnar

I good luck to thoes Bro who are in debts!!
I just passed my second week as Bankrupt....and i am glad about it..

bro lesnar, we've met twice n u still look v cheerful on those occassions , didn't know u r going thru such tough times...
thou i'm still in debts, but would also like to buy 1round for u cos really respect ur courage to face such a tough situtation...salute!!
pls include me(if i may come along) when u n JT meet for kopi/beer. thx.

[Michael]

Brothers, to share my story,

I joined a long time ago (relatively), but seldom post, but always log on to see, even when I'm overseas for my studies!

Anyway, I just came back less then a year, and after cheonging and enjoying for a while, I realised to my horror that i hit my credit limit for my credit card!

Now hor, lucky becoz of my bonus, I think I can pay it off. And altho I still keep my card in my wallet, now I have implemented a new way to keep track of my expenses:

1) Start an excel spreadsheet, use a standard format for your RECURRING EXPENSES > Things you incur every month, e.g. housing loan, car loan, handphone bills, ciggerettes, food, etc

2) Another column, add in your WEEKLY expenses from your receipts on all your credit card

3) Below, create another column to show the ADDITION of BOTH

4) PRint out one month by one month.

5) After the 3rd month, target the 2 or 3 highest spendings and tell yourself, this month cannot do that particular thing again and again! (bonking excluded, hahaha)

6) Think about ways to REDUCE your recurring expenses. Cut down on Taxi. Plan your time and use the public transport. Change your handphone plan to those lower ones.

If this is still not enough, buy a small board and pin up all your credit card receipts, highlighting the AMOUNT. (cannot implement for HOTEL81 tho, unless u are SINGLE)

Hope this help!

And please stop gambling of any kind. No end . . .

[Michael]

I forgot, Bro Lesnar, I applaude your courage in sharing your experience. After reading your stories, I learned my mistake too!

It's hearthening to see so many bros response to help, hope we all learn a thing or two . . .

Happy Bonking !

[dargonfly75]

Originally Posted by Michael

Brothers, to share my story,

Now hor, lucky becoz of my bonus, I think I can pay it off. And altho I still keep my card in my wallet, now I have implemented a new way to keep track of my expenses:

1)
:
:
6) Think about ways to REDUCE your recurring expenses. Cut down on Taxi. Plan your time and use the public transport. Change your handphone plan to those lower ones.

And please stop gambling of any kind. No end . . .

Good advise. Am doing that myself.. ie Excel spreadsheet etc..

Can't follow on e last one.. Addicted to Soccer AND Basketball..
Oh well, you win some, you lose some.. but always do within your means.. Dun go over board even if you think sure win.. No such thing as sure win one.

Originally Posted by Michael

Brothers, to share my story,

now I have implemented a new way to keep track of my expenses:
1) Start an excel spreadsheet, use a standard format for your RECURRING EXPENSES > Things you incur every month, e.g. housing loan, car loan, handphone bills, ciggerettes, food, etc
2) ...
3) .....
4) PRint out one month by one month.
5) After the 3rd month, target the 2 or 3 highest spendings and tell yourself, this month cannot do that particular thing again and again! (bonking excluded, hahaha)
6)....
If this is still not enough, buy a small board and pin up all your credit card receipts, highlighting the AMOUNT. (cannot implement for HOTEL81 tho, unless u are SINGLE)

wow, u r indeed organised man...never tot of keeping tabs in the above manner, i'll give it a go....hmmm neat n tidy indeed
thanks for sharing, think this ought to provide a clear picture on a monthly basis. thx a lot...hehe starting excel now

[Libra]

Originally Posted by lesnar

I do not mean that.....

My life had changed after bankrupt....after misery after misery.....depends on individual....being chased after by banks is no joking matter... the banks can go to an extend of coming to your house and paste stickers on your furniture, electical goods or even your personal belongings................Hope wont end up in a heaty argument...

Sometimes I wonder how come some got shit along the way before being bankrupt while some got it plain sailing to bankruptcy?

Any bro, keep your monthly payment regular never never ever late one second! Get GIRO ASAP. Submit your monthly statement of affairs promptly! Never ever late one second! Want to travel write in personally to the Assistant OA assigned to you. Be extra polite to her/him cause your discharge is heavily dependant on them. In fact try to write in at least 2 weeks in advance. Keep an open channel of communication with them. Update them with your hp no. etc.

And if you follow my advise (AT NO CHARGE BTW) I personally GUARANTEE you that in 6 months time you'll be given the Green Status! And once you got that Green Status, you are almost as good as a discharged! Because you only need to file statement of affairs 6 months once or 12 months once depending on your OA. And as for permission to travel? Those in green zones get approval in 3 mins! (the total among of time you take to do e-filing online)

All the best bro! And remember, no everyone charges for advise and for some, advise comes with life experience. Take care you ya! And for whatever reason, don't be a kid and deduct my repute! pls grow up!

[Frankiestine]

Originally Posted by Libra

And if you follow my advise (AT NO CHARGE BTW) I personally GUARANTEE you that in 6 months time you'll be given the Green Status! And once you got that Green Status, you are almost as good as a discharged! Because you only need to file statement of affairs 6 months once or 12 months once depending on your OA. And as for permission to travel? Those in green zones get approval in 3 mins! (the total among of time you take to do e-filing online)

I AM GREEN....YEAH....

[lesnar]

Originally Posted by Libra

Sometimes I wonder how come some got shit along the way before being bankrupt while some got it plain sailing to bankruptcy?

Any bro, keep your monthly payment regular never never ever late one second! Get GIRO ASAP. Submit your monthly statement of affairs promptly! Never ever late one second! Want to travel write in personally to the Assistant OA assigned to you. Be extra polite to her/him cause your discharge is heavily dependant on them. In fact try to write in at least 2 weeks in advance. Keep an open channel of communication with them. Update them with your hp no. etc.

And if you follow my advise (AT NO CHARGE BTW) I personally GUARANTEE you that in 6 months time you'll be given the Green Status! And once you got that Green Status, you are almost as good as a discharged! Because you only need to file statement of affairs 6 months once or 12 months once depending on your OA. And as for permission to travel? Those in green zones get approval in 3 mins! (the total among of time you take to do e-filing online)

All the best bro! And remember, no everyone charges for advise and for some, advise comes with life experience. Take care you ya! And for whatever reason, don't be a kid and deduct my repute! pls grow up!

Its you again!!! Can you get out of here? Because once you are here, you will start a heaty argument....

Bros, can help me zap this guy here? He is a trouble maker.....

[cuntarow]

hi bro lesnar wow u mia for so long i wanna clarify something with u leh ur rep power is 4 but can u deduct 2 points instead of 4 points

[Libra]

Originally Posted by lesnar

Its you again!!! Can you get out of here? Because once you are here, you will start a heaty argument....

Bros, can help me zap this guy here? He is a trouble maker.....

You are really a pervert! Rather pay those leaches who sucks bankrupt like yourself for more money than to trust FOC advise that is 100% trustworthy! Anyway, bad karma for you. Just hope for whatever reasons your OA just don't like you.

[bohya]

Originally Posted by ignis sport

dear sir, i've been reading ur pleas n posts for advice n help with interest n empathy...haiz now only to find that u confess that u still betting on soccer matches feel sad for u...
my humble 2 cents worth
ignis sport
'on the road to finacial recovery'

feel kinda sad that some bros here have faced such a sticky situation... but i must say i am very very surprise that how come cheonging and betting soccer can roll up to such an amount which will/will not eventually lead to a bankrupcy...? I had a friend who face a similar situations as you all. Also a full time soccer punter, debts roll to a high 50k++.. dun know how much he spend on cheonging, din try to ask coz he's already in bad state...and very true, if met with these situations, i think better on your handphone and tok to the banks... my friend stubborn, end up kena bank letter, lawyer letter, and whatever letters u can imagine... see him so jiat lat... lend him a few Ks .. and i think i can kiss my few Ks goodbye liao....

so to all bros... please do cheong within yr limits... and yeah... to the few bros who still stand strong in the face of blizzards, I SALUTE YOU.... dun worry, no one will be sway forever.... always remember; tough time dun last, tough men do.......