Just Spend Less
Have you ever heard someone say it is easy to stay out of debt – just spend less than you earn. How does that make you feel? When I hear someone say that, it pisses me off! First, it sounds arrogant and condescending and secondly, it insinuates that people with large amounts of debt are stupid. Those who have debt, realize that they wouldn’t have any debt if they spent less than they earned. Well, guess what? Those in debt already know that and telling them to do that does not help the present situation. If you can’t give helpful advice then don’t say anything. There are so many reasons people end up in debt. A health issue is a big one even for those who live in Canada where there is publicly funded health care. Having a stroke, heart attack or a chronic illness comes with extra costs. What do you if the government or health care plans won’t pay for these extra costs? You find the money somehow. The same goes for dental issues. Going to the ...