NO FREE MONEY: There’s something about “free” money that makes us ignore personal responsibility while splurging on our wants on credit, instead of paying for our needs with cash. The story of Victor King, how he drowned in Dh1.3 million in debt between 14 credit cards to a point that he was held at the airport over outstanding balances — and how he turned his life around by facing his creditors and working out a win-win solution — offers useful insights for everyone. It took a strong resolve from King, with his family’s cooperation, to have a grip on the impulse to buy, settle all his dues, instead of running away from personal responsibility. His journey to a debt-free life took some hard decisions. Credit card purchases are never free. Spending beyond one’s means is something we should run away from like a gazelle running away from a hunting lion. (By Jay Hilotin, Senior Assistant Editor)