oh, I had my share of credit card issues, too. It's a mess easy to get into but tough fixing! It took me a couple of years to get ahead but well worth the lesson I learned about money & the difference between needs/wants.

I don't agree with bankruptcy in these situations and I wish the laws would tighten up. My old roomy was in a similar situation, earning $25k but spending like she made 3x's that. I was working 2 jobs to make ends meet and barely had enough to get by but there she was going on shopping sprees, vacations, etc. After she...more

Not all people going to these places are poor, a good portion of them are financially stupid. I work with several "poor" people who blow half their paychecks on cigarettes, beer, junk they don't need then complain about being broke. We want to lump all these people together as "the poor". I realize many are struggling ...more