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  Can you imagine your life free from debt? How much of a change would be made to your quality of life if money was the last thing you ever thought about? They say money cannot buy you happiness but you’d surely feel happier if you were free from debt. Money and debt are very much related. With sufficient money, it could be argued you shouldn’t have debt (ignore the idea of leveraging ‘opm’ - other people’s money - for the moment) although this is not always the case, especially if you are not good at debt management. Handling your finances can be a little stressful if you are not knowledgeable in money matters. At an early age, one should already understand the relative importance of money. Each of us has our own views and value regarding money but there is one thing we all share in common. No one wants to be in debt. It is everyone’s horror story to be struggling to pay off their loan. Everyday life can be pretty tough already without worrying about paying off your debt. ...

  What is Cognitive Behavioural Therapy (also known as CBT)? Cognitive behavioural therapy (CBT) is a type of “talking therapy.” It is a common treatment for a range of mental health problems. CBT teaches you coping skills for dealing with different problems. It focuses on how your thoughts, beliefs and attitudes affect your feelings and actions. "CBT is very, very good for helping me not listen to my self-critical voice, which is so damaging." What is the theory behind CBT? CBT is based on the idea that how we think about situations can affect the way we feel and behave. For example, if you interpret a situation negatively, you might experience negative emotions. And those bad feelings might lead you to behave in a certain way. CBT combines two types of therapy to help you deal with these thoughts and behaviours: cognitive therapy, examining the things you think behaviour therapy, examining the things you do. "It got me through a reall...