Efua Sutherland (1924-1996) was a famous poet, playwright, teacher and children's author. One of her well-known plays is "The Marriage of Anansewa".

Anansewa was a young, well-educated woman. One day her dad realized that Anansewa was a perfect bait to attract rich suitors who would be happy to have her for a wife.

Anansewa's dad approached the first wealthy suitor and managed to get a nice bundle of pre-paid bride price by promising him marriage to Anansewa. As it happens when money comes easier than expected, Anansewa's dad became greedy. He went ahead and received expensive gifts from three other suitors by peddling the same story.

A time came when all four suitors demanded to have Anansewa's hand in marriage. Anansewa's dad was in a dilemma. His daughter could not be married to four different suitors. Also, he was not in a position to pay back all the suitors. He was trapped like an insect in a spider's web. I am sure you can remember this popular story and there is no need for me to explain it all.

Are you behaving like Anansewa's dad? Your good credit score has become Anansewa. You are using it to acumulate debt from as many credit companies as you can. Just like Anansewa's dad, you do not intend to settle your debts with the credit companies. You hope to make the minimum payments only.

Unfortunately debts build up to a point where the total of the minimum payments becomes a problem to repay. You are finally faced with a huge unmanageable debt that keeps increasing and interest rates that exceed 30%p.a. You finally get trapped in a web of debts, just like Anansewa's dad.

What is the ending to your common story? I am sure you can relate to this common story and there is no need for me to explain it all.