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You’ve worked hard all day and come home at night, only to find that you can’t get comfortable in your bed. You toss and you turn for over three hours. Finally as of 3 p.m., you fall asleep but at 6 a.m. the alarm rings too early it is time for you to go to work. The second day comes and you are again in the usual rat race. After reaching home you repeat the same pattern. Later that night you are lying in bed wondering how you are going to pay all these bills. Despite your best efforts at work, including overtime, it just doesn’t seem like enough. what can you do? To whom can you turn?
Does this sound like you? Are you a Christian having sleepless nights because of your finances? Here are the top five reasons I’ve found why people get into debt:
1) Try to live beyond their means. keep up with the Joneses.
2) Job loss and bills piling up
3) Money management has never been taught
4) Divorce and other party charged cards in the process of partition
5) Impulse Shopping
I was also a victim. Not just one, but two of these loan originators. My husband also faced similar financial crunch, his name was still in this list. Being in debt has a way of holding onto you and causing you not to think clearly. People in debt act out of fear – for example they ignore phone calls because it could be a collection agency on the other end. How many calls has he missed? Or perhaps, they write a check in the hope that it will clear the bank; Knowing full well that they have spent the money on luxuries and other unnecessary excesses due to which there are insufficient funds in the bank account.
If any of this sounds like you or someone you know, assure them that they can get out of debt without filing bankruptcy. They need help and don’t let pride or embarrassment get in the way of them getting help.
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