By July 2012, as I was receiving prizes on my high school graduation ceremony, I couldn't help but think of how to settle the debts my family incurred for my school fees, external examinations fees and my dad's burial 4 months earlier.
My mum's meager pension could barely provide for the basic necessities of the family.
As the first son of the house, I was now at the helm of both the domestic and financial affairs of the house and the burden was on me to devise a means to get us out of debt, as well as save up some money for my higher education.
This got me into research and created a call to action.
To cut the long story short, we are now financially independent and I just graduated from the university debt free. How did I do it?