Kalau takut dilambung ombak, jangan berumah ditepi pantai

That's the idiom that we used to hear every time.

But usually this apply into our daily lives but many people do not apply into their financial terms.

I would quote it this way: "Kalau tak pandai bayar hutang, tak payah ler berhutang!"

It is relevant because many people are afraid of debt but still making debts. If they are a good paymaster, I guess it should be alright but they didn't.

Our society is still lacking of financial intelligent.. that's why.

So think about it.

chow!!