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Although not living wealthily, I just realise how lucky I am as comparing to some of my friends. Before we got married, at least we managed to buy a house called our home with some savings from hubby’s salary for down payment. While chatting on a breakfast the other day, I just found out a friend of mine had lots of financial problem and had to refer to IVA for help prior to her marriage. Luckily with the IVA help, they then went to work in overseas for 8 years and with some good earnings, now they manage to stand independently on their feet again.