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Avoid debt.
"...the borrower becomes the lender's slave." - Proverbs 22:7
Debt is a horrible avalanche that can bury you in good or bad economies. The first thing every family must do is to be wise and calculated with any debt you assume. If you must, cut up your credit cards. According to a Standard and Poor study, people spend 64% more when they use a credit card than they would if they paid with cash. Seventy-five thousand Americans are approved for Visa or Master Card credit cards every day. Each card should be required to bear a warning label - Beware: this card could be hazardous to your life.
Whether it's credit cards, house expenses, home mortgages, or any other debt, you must be very aware of the potential pitfalls. Discipline yourself to pay cash for all the following:
eg
