Changing the old habits
1. Medical card / Takaful plan is a necessity. If you can't afford the expensive one, start with the basic. There are a lot of plans that start from $150 (that was in 2011, not quite sure now). If you can afford more, please go for it. If you barely can make it, Cut on the unnecessary expenses such as smoking etc.
2. Make a habit of reading. Pick a topic that you like the most. Medical, sports, cars and etc. Once you have, get proper-establish-endorsed books on it. By reading, it will open up your mind, make you think and you will be wiser.
3. Exercise. Why? Because it is fun. If it is not, then find another one.
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