I just want to share some points regarding "TAP could reduce our burden", "Please lessen our burden" and "Credit card woes keep mounting". In my opinion this happened simply because of our irresponsible spending habits.

Once the money greed and desire begin, it causes us to think about all the wonderful things money can buy adding to items not so necessary in our daily lives.

For example mobile phones, car modification and the list goes on.

We have to realise by now that we have a problem. So, we have to change, learn something and grow wisely. Whatever happens we have to prepare ourselves to learn to make some savings in terms of money.

Don't just simply rely on our TAP or SCP money for our old age security. We never know what the future would bring.

As for credit cards, we have to understand by now how compound interest works on credit cards, do we really need credit cards?

We need this simply because our spending is emphasized over saving, when the demand for cash is enormous we will rely on credit cards for our daily necessity.

Without proper planning, we will create a financial mess. Simply don't blame the directive MoF, this actually is good in long term, the main cause of our financial struggle that we create now was because of our ignorance.

We have to change simply just by starting to save.

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