3 Smart Characteristics of Debt-Free People

I recently posted on facebook an article about how a good portion of Filipinos are in debt. Now, we know that some kinds of debt are good and being in debt is not necessarily bad. However, if 2 out of every 5 people you know is in debt, then it's probably a good idea to at least be more conscious about it.

And today, we have guest blogger Kyle to talk more about how to be debt-free.
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