Anything happen in our life is our fault due to our stupidity,ignorance and lacks of ed experience...Why our debt increasing every year. Spend > income. Our income also not increasing every year.
Actually...if can put our debt in one account and we spread payment for few years then we easily manage the debts.
most the sent come from credit card. One solution is to cut down the card and only using the cards that give a lot benefit to us like when we use the cards we can get discount esp from petrol station..
or daily shopping at supermarket.
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