Most people will have debt during their lifetimes. There are the few that will only have a mortgage debt and that is it. Good for them. But most people will face some sort of financial issue that revolves around debt and credit cards.
No one ever takes out a loan or uses a credit card with the intent to become overwhelmed by debt. But that is the nature of debt. It innocently builds while you enjoy the perks.
So many people are living a future lifestyle on today’s income. They are thinking about that bonus at work or that raise that is expected. So they charge a few things thinking that they will pay them off later. No problem.
Today it doesn’t seem so bad. You get to go ahead and have what you want now.
But eventually you will have to pay for it.
Newlyweds and college graduates fall into this trap all the time. People stretch to buy new homes, not realizing the true cost over time. When life changes, they find that they are unable to meet their previous obligation for their money. They lose their homes.
Others simply never look at how the numbers are adding up until it is too late. Have you ever looked at your financial...
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