ING a good borrower and always making one's repayments on time apparently only creates mental stress. This is basically what happened to Nyoman Mantra. Once upon a time, Nyoman, who works at this magazine, had a windfall. Because of this, he wanted to pay off the balance of his home loan. "So that making the repayments was no longer a burden," he said, adding that he also wanted his homeowner status made clear.

Nyoman's purpose was simple. He w