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CASE STUDY: ALWAYS BE PREPARED Debt plays an important role in our lives. As most of us cannot afford to purchase everything in cash, we borrow money to buy things such as a house and a car to fulfil our desired goals. If used wisely, debt is a useful tool to help you achieve your financial goals. As such, debt by itself is not a bad thing as it helps you get the things you want faster and conveniently. However, if you take on excessive debts, you may face difficulties meeting repayments which would ultimately get you into financial problems. Below a case study that related to debt planning. Age: 29 years old Occupation: Sales Manager Marital status: Married Allen led a comfortable life, earning a 5-figure salary working as a sales manager. He had a good lifestyle and was prudent with his spending. Due to pandemic the Covid-19 around the world, however, forced his foreign employer to shut down its operations in the country, forcing Allen out of job. It was difficult for Allen to get a new job despite looking high and low for one. To make matters worse, he had to support his ailing mother who had medical complications and a wife who did not work, as she had to take care of his mother. As Allen did not have anyone to turn to, he had to single-handedly provide for his mother and wife. Pressed for cash, Allen turned to personal loans and credit cards to continue funding his lifestyle as well as ensuring that his mother and wife had everything they needed. Their standard of living funded by borrowed money did not bother Allen at first until he began defaulting on payments and barely making the minimum payments on his three credit cards. In no time, Allen accumulated a total debt of RM 150,000 on credit cards and personal loans. Soon, creditors began sending legal letters to Allen demanding payments and threatening bankruptcy. The thought of being bankrupt frightened Allen so he started working odd jobs to repay his debts. Due to the lack of income, Allen had to even skip meals to ensure his mother had money for her medication. It was when his situation worsened that decided to seek your help as certified personal financial planner. Reference: Case study based on Agensi Kaunseling dan Pergurusan Kredit (AKPK) Justify at least FIVE (5) actions do you recommend that Mr Allen to make a better personal financial decisions. Discuss at least TWO (2) short-term and at least TWO (2) long-term financial goals that Mr Allen might want to develop