The National's Mustafa Alrawi and personal finance editor Alice Haine mark two years of the weekly column, The Debt Panel, and speak with reader Sumera Hasan about her ultimately successful five-year ordeal with personal debt.

We also focus on new rules from the Central Bank capping how much lenders can charge customers for their services and products and explain the importance of developing money-management skills no matter how much you earn. 

More about Sumera's story here:

The Debt Panel: Single mother of four is being hounded by debt collectors over Dh43,000

Ramadan spirit: Generous readers clear single mother's debts after The National plea