I have learnt it through the hard away. I used to recieved a
significant amount of allowance from my mum with additional credit
facility. However i misused , leaving behind debts for my mum to
clear. Flung my o'level as well as down was a slightly depression i
began to prayed hard and repented firstly by seeking my mum
forgiveness as well as withdrawal from reciving any form of
allowance. It was a very tough moment from the beginning due to my
old vigorous spending habit, but with strong determination I made
it through. The past 3.5 years has been a success which allow me to
rebuilt my heavily destructed finance. There will always be
struggle but i will keep on preserving . My greatest hope now is to
own both a house as well as car. Most importantly, I want to be
fully equiped to support my parents. 
