Today is 31 Dec 2018. It’s interesting how today went for me. It rained in the afternoon. I was sitting by the window, working on my direction for 2019. There was a light dusting of rain onto me. The getting wet but not-really-wet feel. A cold wind was blowing. I noticed I can’t have one without the other. When I get the wind, I get the rain onto me too. Similar to life, it’s like how there are struggles in life cos it helps us grow. To grow more mature, stronger and wiser.

Recently Channel News Asia did an episode on how poverty tends to trap people into making poor decisions (link at bottom of article). That, coupled with a recent meetup with someone else in debt prompted this article on how to retain your sanity and tackle debt in a clear-minded way. Step 1 – Take time to breathe Taking deep breathes allows for more oxygen into our body and instantly helps us to relax and clear the mind. When we’re calm, we are able to look at the situation r