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A month later, I paid 5% of monthly income on our bank account. Extra money, I left the credit bill I settled making use of previous month, was uploaded to our overdraft, together with an agreed bill every month. It took three months to settle the facility. This left us lots of income from our two bank plastic and overdraft, plus a maximum rate per month in both accounts. I canceled my overdraft facility and that meant no more overdraft dues! I split most basic money into two elements of. 50% was included in our savings did not materialize within our objective of saving 10% of our total revenue per month, while the other 50% in order to be used shell out towards our vehicle. In this particular way, we reduced our 60 months of purchase and sale agreement by 36 times. Next on the list is our bond.