By Francis Chan

Hi, my name is Francis and I am a spend-a-holic.

I've been one since I got my first pay as a 12-year-old working for my brother-in-law, who ran a computer shop then.

He paid me $180 for assembling desktop computers after my PSLE exams, and I spent it all in one weekend at Far East Plaza, on what I cannot even remember now.

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