Did you are aware of that you're being fooled? Right now, everywhere. On TV. In the newspaper. On the air. In magazines. You're getting the same message over and older again: "buy now, pay later"; "consolidate your debt into one easy monthly payment"; "get a secure line of credit". Or the perennial favorite, "don't worry, it's good debt".
But it really is beyond home mortgages. A debt mentality pervades our society. Once you have equity with your home, for example, financial institutions urge of which you "free up" the money with home equity loans and secured a line of credit. Use the money to better your life, they say, by renovating the house, by taking your big vacation you've always wanted, or -- here it comes -- consolidating your other debt.
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The solution isn't debt settlement or debt consolidation reduction. It's debt avoidance. You must do everything within your power in order to prevent debt. Because too much debt will tear you down, mentally and physically.
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