From credit card debt to e-commerce income

WHEN Siddiq Poh, 24, conducts financial literacy classes for the Institute of Technical Education (ITE) students, he shares his personal story of getting in - and out of - credit card debt.

"Nobody likes to be told how to save and what to do with their money. People always feel they have control over their money, and always feel they can earn more," says the Singapore Management University (SMU) accountancy major, who is entering his fourth year of studies.

Mr Poh, the immediate past president of the Citi-SMU Financial Literacy Club, found himself in a debt hole several thousand dollars deep when he was 21. He did everything he could to get out of it, including giving tuition and spending weekends delivering McDonald's meals on his motorbike.