The time when I was struggling with credit card debt [flashback post]

How was I living like before I became debt-free, saved up six months of emergency funds and finally got my financial act together? I dug up this old blog post, and I tell ya, I nearly forgot how it was like to be anxious at the end of the month, scrimping to just make ends meet, and finally, defeated, reaching for the credit card. And worrying about a RM200 insurance bill? Goodness, if only old me knows how much I’m paying for insurance now.

These days, I am fortunate to not worry about having m...