It seems that some of us have issues trying to avoid debt and might as well give up water than just get out of debt. It is not easy trying to avoid debt when all you have done all your life is look at something you like and take out a plastic card and the next thing you know you have what you coveted.

Some of us actually have good intentions when we get into debt. I wanted to pay for my college fees and then buy a car to take me to work. Debt Management was not one of my courses in college and you can be assured I have failed miserably trying to get it into control.

However, I am now working on a great new path to totally get rid of all my debt. I will not pay for my gas bills, electric bills, I will walk to work, and I will never shop again in my life. I have set this in motion starting this morning and now 2 hours later, I am succeding. All I have to do now is keep it up for the next 40 years of my life and I will be living debt free.

How can people stop going bankrupt if they can not control their own spending. The adage is right, it is not what you earn but what you spend. If we can all cut down on spending, then we shall go a long way in avoiding bankruptcy and thus enjoying the fruits of our labour.