Let’s be honest. Does anyone really enjoy borrowing money from friends and strangers alike just to keep our families from want? If we could choose, I am quite sure most of us would rather have the ability to earn the cash we need for our expenditure. Unfortunately for most of us, this isn’t the best of times where finances are concerned. The only way out seems to be to keep adding to our debt, never mind that that caused the problem in the first place.

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Life has become one of constant ups and downs. Suddenly there is no way you can plan for anything, as there is nothing that is stable anymore. Global recession has already cut millions of jobs in the world, major companies have become bankrupt, and world leaders are trying to formulate plans in an effort to keep their country economies afloat. Through all this a major problem many people are going through

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Credit cards have replaced cash. That is something we all agree with. How many of us walk around with nothing in our wallets but our identification cards, the numerous credit cards we own, and little else ? Credit cards have even been given the nickname  plastic cash , showing just how much a part of everyday life it has become. Once the global recession started spreading it’s wings around all the economies in the world, people started blaming the use of credit cards. Of course there are direct evidences that credit

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