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Why are you in serious debts. Pay them and never do it again. Just live in frugality and adjust your life style to live only within your means.For me l am not happ at all with the way my financial life is taking. This is because l couldn't plan for the money l earn now because l am in a serious debt
It is quite challenging for me. I am glad that you can manage it. I can do manage it, but it needs to be more careful about the spending habit.I am pretty satisfied with the management of my personal finance. I stick to my saving goal every month by putting a portion of my earnings into a fixed deposit account. I am debt free. I can enjoy traveling overseas once in a while.