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Let me repeat the most obvious and often quoted phrase, `Don’t spend the money when you don’t have the money` except for health bills, children education or overdue bills.

Health and education expenses are in fact an  investment and add to your earning power. Good health and good skills will help you earn many times more over a period of time.

Inspite of all the warning bells, credit card debt is still the major reason for over one million bankruptcies each year.
The reason is that many people get a credit card and enjoy the freedom of spending without making a realistic assessment of how the payments will be paid back.
Credit card debt should never be allowed to build up as the cost of credit card debt is always high and the debt starts viciously increasing with every repayment missed.
Credit cards is a service and the credit card companies cannot be blamed for the unhealthy bad debt situation. 

Online resources and educational advertisements co-sponsored by credit card companies can create better awareness about the cost of money available from credit cards.

The increasing popularity of credit cards worldwide is an indicator of the  need and usefulness pf the credit services. 

One shopping spree does not usually cause high debt.   It is usually a pattern that consists of gradually increasing purchases that add up to a large debt. 
To get out of debt, it is important to use all the will power and to stick with spending less than you make or you will find yourself in exactly the same place as you were before.  Overcoming your debt will take will power and a great deal of time. 

It may be difficult to stick with your debt repayment program, but keep yourself strong and you will find yourself out of debt before you know it.  It is important to learn how to get out of debt and then stay out of debt.  If you can summon enough will power and strength towards your finances and spending, then you will find yourself the winner in the game of debt.  It may be easy to get into debt, but getting out of debt is much more difficult, but worth it.  

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