MAS forgot to say, Don't spend your life, bagging gifts on credit to the PAP & voting for them, time, after time.
How to manage this kind of debts?...starting with of you own a car, COE...
MAS damn smart, the 'devil' dressing up like an 'angel' telling you, not to be naughty & be nice & then later, raise GST to 10%.
How do manage that debt?