There is an age old phrase used by many which goes something like this "Spend Less Then What You Earn". Our parents probably told us the very same phrase when we were kids, then our teachers when we were teenagers, then during adulthood by our spouse and probably by financial advisers (if you've engaged one).
Despite these countless reminders, some of us (not all) allow ourselves to spend, spend and spend, not realizing that those tiny little debts which we accumulate each month is fast turning into a mountain. Are we to be blamed for giving in to luxuries ranging from smart phones, gadgets, branded clothes, etc?
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