What is one of the biggest afflictions known to man? You may very well mention that the most awful thing is ill health and you would be right but after health problems, the most dreadful thing is struggling under a mountain of debt.

When ill health strikes life becomes unbearable and so with debts. Being burdened down with debt affects people so badly that life changes dramatically.

Ill health is not something that one would choose of their own accord and neither does anyone intentionally choose to burden himself with debts.

So saying, some illness can be avoided by changing habits, taking more exercise or eating more fruit and vegetable.

We have almost lumped bad health and debt into the same category of human afflictions debt is more avoidable than is ill health.

No one starts off in life by thinking that they want to fall into debt, but they fall into debt nevertheless, and it was preventable.

Debt just sort of creeps up on a person after borrowing too many times over a number of…