I have to put a clause here. My intention of sharing my journey is not to riak or to show off.  My intention sharing my journey is to encourage and inspire others to be debt free, as much as they can. Being debt free is possible in Singapore. I was in a dilemma if I should create this blog post. Share my journey, people say I riak. Dont share takut dosa, ilmu simpan sendiri. However, after much considerations and requests from many, dengan lafaz Bismillahirahmanirahim (In the name of Allah, Most Gracious, Most Merciful) I decide to document my journey. I will share with you 2 blog posts……. This blog post, I will share, Why I aim to be debt free, my challenges and how to be debt free in Singapore. The 2nd blog post, I will share, How to make it easier for you to be debt free in Singapore....