These days, having some level of personal debt is the norm:
everyone you know has a credit card, a mortgage, a personal loan.
And no matter your income level, the habits and behaviours
associated with accumulating debt are universal; once you're in it,
you become trapped in a never-ending cycle of working, paying
bills, working some more, paying more bills. You feel like you are
working for the bank (paying THEM interest on your debt), when
really the... more...