Due to current economic downturn,your personal financial plans should be the first priority in your life.Also start to set your personal financial plans and goals for year 2009.

Personal financial plans is important ,no matter how much or how little we earn.The secret lies on knowing where you are now,where you want to go in the future and figuring out how to get there.

You can make your money stretch futher if you learn how to manage it carefully,such as

*Know what you want to do with your money

*Know where your money goes

*Know your spending habits

*Develop a prudent spending plan

*Spend wisely and within your means

*Save some money for your future

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Good news, buy cheap portable dvd when apply for a citibank credit cards, its philips brand portable dvd player with 7 inch LCD screen.:lovethis:   This best buy item valid from 30 Sep 08 to 31 Dec 08 only.

You got 60% off on this Philips Portable DVD Player at very cheap price of ONLY RM370 inclusive of delivery upon your credit card approval, this best buy item only applicable for new applicant for Citibank Gold,  Citibank Cash Back Gold & Citibank Platinum credit card application.

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Celebrate this coming festive season Raya Aidilfitri with fantastic discounts on selected philips products best buy items at Jaya JUSCO Malaysia.

This is an Exclusively for citibank platinum and citibank gold card members, Promotion ends 12 October 2008.

In orders word, if you Purchase any philips products at Jusco with your citibank platinum and citibank gold credit card and get the following items at exclusive offers.

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There is a way to save interest for your credit card With the implementation of Tiered Finance Charge effective 1 July 2008, credit card holders who demonstrate good payment track record in settling at least their minimum payment promptly before or on the due date will enjoy reduced finance charge on retail purchases as low as 15% per year.:)

This is in line with Bank Negara’s objective to encourage prudent financial management and to inculcate good financial discipline.

Here is how bank track your 12 months credit card interest payment or finance charge:

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