Get your debt under control

Getting into debt because of credit card use can be overwhelming but Nirmala said there is not shame in getting help. —

Nirmala Supramaniam, the head of Household Financial Education Department at the Credit Counselling and Debt Management Agency (AKPK), advised shoppers to avoid buying multiple products online just to save on shipping.

“Most websites or platforms require a minimum purchase to qualify for free shipping. Many people tend to overspend to reach the minimum purchase thinking that they are saving money by avoiding the shipping cost.

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