I’m sure you’re all aware of the global financial situation. So many economies are collapsing, and this is reflected on a local level, with so many families facing massive financial debt. Why are people in so much debt?
One simple reason why, is because we cannot control our spending. Credit cards provide us a facility to buy the goods now, with money that we don't actually have. This is fine, so long as we have control of our mind and senses, and we monitor how much we're spending. But when we