After you have became ‘Baligh’ prepare your will. As and when it becomes necessary to change the will, then make the necessary changes and alterations Write down what you have to repay and what you have to receive. There were several incidents when, lying in bed, during severe winter, I remembered having taken a loan of one or two dirhrams. Then I would get up from bed, write it down and go to sleep – lest I die before repaying the loan! If the creditor does not ask then the burden of debt remains on me. If the creditor demands, then my inheritors may ask for proof, oath or document, which would prove bothersome for him, while in fact he has obliged me by giving a loan. The reward of obligation is not that he should be asked to prove his claim. If he does not produce any proof and if my inheritors do not pay him, then I would be responsible on the day of judgement (therefore, it is necessary to note down your debts).