Cheating Debt

Have you ever suffered from a near-DEBT experience? Or were you brooding on how to cheat DEBT? Don't you even think about it! The fact is there's no way you can escape its nightmare. Welcome to America, where loan sharks are all powerful and greedy! They will repossess your house or car and push you to bankruptcy. So before you bleed to DEBT, help yourself up the way Michael Jackson did himself with a nose job! At least take advantage of knowing how to elude the lures of these sharks and take matters into your hands before they take it away from you.

You can flunk Math 101 and still know how to manage a budget. "It's very common yet the most taken for granted of all", says Miriam, an account executive. You can first list all your fixed expenses written all over the monthly bills and then, come up with a list of splurges like clothing, entertainment, and travel. If this is too simple and easy, I asked Miriam why do people get past the common sense only to be mired in idiocy? "They dangle us with dreams and the ultimate promise that we can always get what we want, when we want it." The flashy ads and mischievous deals form a cloud of deception. They poke us into jumping off that loop when we exercise our purchasing power. "More like hypnotized to materialistic caprice", I heard myself say.

But if you're already stamped out with the financial sack, that doesn't make you a target for embarrassment and harassment. The Fair Debt Collection Practices Act protects you from despicable debt collectors. You can rebuff incessant calls especially during work hours. Or better yet, you can avoid the damn trauma by getting in touch with your creditors beforehand. You can arrive at an amicable settlement before debt explodes right in your face.

I refuse to believe that we've gone berserk but will admit that debt is a way of life. So long as it's your way to get by, it's okay. But what if it strangles your right to provide? At least know the essential things in life. Control your insatiable desires and live simply. Now, that's your prerogative!