Credit: Spend Today What you Will Earn Tomorrow

But what will you spend tomorrow then?

"No Money Down"

This is the trap most of us fall into.

You see that nice new car. Or the latest cool gadget. Even a bigger house.

But can you afford it? Every business will encourage you to buy today and and pay later. They make credit easy so their business booms.

Many people get caught in a spiral of ever increasing debt and thoughtless spending.

So the first step will always be to cut down on your spending. Cover the basics and make sure there is some money left at the end of the month. Not some month left at the end of the money ...