It is the first time I was in this topic and I go through every post in these 10 pages. I am sorry but I must voice out my feeling reading all these posts.

It is indeed staggering to see some ppl with only income of 2k++ can have a debt amounting to 50k. I mean, can he/she think for herself, just keep to use cc and get personal loans. And they are youth some more.

Reading all these actually raise my awareness on proper financial management. A big sigh~~~~