It was January 2, 2007. Hubby and I were talking about life and family. It dawned on us that we have to get ourselves the independence that we must have, the freedom from in-laws and the freedom from other people's nuisance, if there is. We did not have money that time, and when we went to the company who provides housing loan c/o Pag-ibig, they said they needed P5,000 for reservation of a house. Now it was after the New Year celebration, and our wallets are just too thin to ever contain that amount, I asked Hubby's cousin if she could lend me that amount in order for us to have that lot reserved. January 5, I have had the P5,000, reserved the house and lot. And goodness only knows what happened next. It was May 24, the letter stated Pag-ibig has granted us the house we were applying for, and come June 24, starts the 1st amortization of the house. We were so happy, but we kept it a secret from the folks, Hubby's mom is against the idea of having a loan of which you have to...