Debt can be overwhelming to people who cannot control their spending. When you live above your income, debt will consume your peace of mind. Borrowing is not the answer. Proverbs 22:7: "The rich ruleth over the poor, and the borrower is servant to the lender." The bondage of debt is not a life sentence. You can overcome it if you are willing to make the sacrifice. The first step is to stop romancing yourself. When you put your selfish pleasures over paying your bills, you sh