This is my story...
Are you struggling financially? Do you want to get out of your financial problems? Do you want to make 2018 a year of financial success?
If you said “YES”, then please allow me to share my financial struggles and how I managed to come out of it. This is my story.
“This story starts after my graduation from the UK and after getting married to my lovely girlfriend. We came back to Malaysia to start a life. Things were pretty tough starting out as we had no savings. We both got a job and the salary was below our expectation.
Nevertheless, we worked but got ourselves more into credit card debts because we had more bills to pay. We also had a child during this time and needed to pay for lots of stuff. I can still remember it like it was yesterday where we would receive our salary and pay the minimum payments on our credit cards and personal loan. We would have barely enough to pull through to the next month. This was going on for some years until we just couldn’t take it anymore. The breaking point was when we couldn’t buy gifts for our child and family during Christmas.
That’s when we sat ourselves down and started to do something about our situation. We started educating ourselves through books, videos and free seminars. As painful as it was, we had to stop all unnecessary expenses (entertainment mostly), consolidated our debts into one fixed monthly payment and got rid of all our credit cards.
That was the best decision we ever made. Immediately after that, we could see ourselves having extra money at every month. We started to save 10% of our salary, gave to church/charity another 10% and still have enough every month. We ensured that all payments we paid on time if not earlier and by doing this we also improved our credit rating.
The change that was so apparent was not so much the outside i.e. money but on the inside of ourselves. There was more peace, joy and happiness. By the next year, I had a promotion and a good bonus. Things were just getting better beyond our expectations. This was when we started to invest in properties. We bought our first 2 joint investment properties that year. All this was possible simply because we took control of our finances and not let money control us.”
Now, rather than later, is the perfect time for me to share my story. Why? Because I have met many friends who are going through the same situation as I was. And if I can find my friends going through this, how many more of you are going through the same?
I would like to share with you my “6 TIPS TO GET OUT OF DEBTS” in a FREE event as detailed below.
I hope you will not wait any longer to take control of your money and not allow money to control you. Share this and bring a friend along as seats are limited. The first 30 people that sign up today will also get a FREE gift.
What you will learn?
What you will get?
- You will be able to afford that dream holiday and gadgets and car that you really want
- You will have more cash in your hands by following these steps
- You can immediately implement the steps to start growing your savings account
- You will get tips and strategies to start reducing your loans
- Learn about the best investments to achieve financial freedom
t.harv eker-best selling
author, entrepreneur, coach and multi-millionaire
Why choose us?
Colin Benedict Raj is an associate ACCA (Association of Chartered Certified Accountants, UK). He received his B.A. (hons) in Accounting and Finance from University of Bedfordshire, UK. He has almost 18 years of experience in accounting. He began his career in the telco industry (Time Wireless Sdn Bhd) in 1996. After having worked at a few more companies, he decided to further his studies in UK. Upon graduating he worked as an accountant at Taxclaim Pte Ltd before returning to Malaysia to become a tax consultant at KPMG Malaysia in 2005.
Thereafter, he joined AFFIN Moneybrokers Sdn Bhd (subsidiary of AFFIN Group) as an assistant manager and eventually became Head of Finance and Admin. He decided to leave employment after 8 years and start his own cloud based accounting services business in 2014. Through his interaction with clients and networking, he identified there was a lack in money management knowledge. So, he tested these steps with himself and proven that the system works so that he can share it with others.
He is also an active member in his non-profit religious society. He volunteers his time there as Finance Chairman. He gives talks on money management to the members of the society and his business circles regularly.
He is dynamic, highly motivated and inspiring in his presentations by being straight to the point, engaging and fun. With his wealth of knowledge from personal experiences and trainings, he has brought together an AMAZING simple to use money management system. His dream is to share this system with more people so that they would not have to experience difficulties due to poor money management.