It doesn't seem to matter how much money you earn you never same to have enough, there is the evidence of this with the credit crunch that we are all recovering from. Part of the problem is the easy access to credit this means that people are borrowing money but many forget that they have to pay it back or don't have the means to do so.
This has result in a high percentage of the population being in debt some in so much debt that they are struggling to cover the cost of their essentials this is where debt management plans come in although I would seriously recommend reading the small print also speak to your creditors on a personal level whilst some may be unsympathetic others may suggest a plan to repay the money you owe them at a more manageable level.
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