Man, there is so much debt everywhere. And let me tell you something manage your debt and don't let it get up past your neck like I did.

Once I had a great business, then things changed and it was not making much. I figured it would turn around so I got a line of credit from the bank and tried some better stuff, I thought. Then I started using credit cards to cover ordinary business expenses. Looking back I should have just pulled the plug that first day I paid some regular expenses on a credit card.

Unfortunately I had good credit then. I say unfortunately because I was able to get a lot of credit. I wanted this business to survive so I kept using the credit until it ran out. I cannot tell you how much debt I built up because it would just be too painfull to write that number.

Now the only thing good about my credit is I will probably never have a problem with identity theft because nobody would give anybody pretending to be me any credit for anything.

That is not entirely true exactly because I get these credit card offers where I would get a $300 limit and as soon as I accept the card there would be $77.00 credit available because I would owe the card issuer $223.00. And $79.00 per year. I would rather eat a bowl of worms. And I think those parasitic companies should be in prison.

So life is different now. I have zero credit and pay right now for everything. Just like I did for many years. I had managed to start that business with no capital and am doing the same thing again. Maybe in a few to several years I will be out of debt again.