Why is it so easy for People to go into debt? Yet harder for them to live inside their means?
people know the damage that can be done when excepting loans, credit card, etc? isn't it easier to just live within your means.
Being in debt is like a drug as you can afford to buy things without working for it or without actually realizing how much you have to work for it... living inside our means is becoming increasingly difficult because we are surrounded by consumer culture. We see people with "things" and we want those "things" to feel good about our selves and we go about trying to get it whether we can afford it or not.
Naturally, man loves things the easy way. People haven't understood the notion of "no pain,no gain".We must learn and love to sweat before we enjoy.
By going into debt the only thing you are told is "buy it now and pay later" which is altogether too tempting for most humans. It is the same reason why people commit sins and say they will deal with it when they are infront of God. They are heading for disaster and do not have the discipline to say no to temptations.
When living inside your means, you know the budget and plan all of your money. Every dollar is watched and noted into the system. Most people do not think they have the time for it so it is not done. Also most American's do not know when to say no. This is why we have so many alcoholics, workaholics, "big boned" people, etc.
I have written two hubs on this topic:
http://howards.hubpages.com/hub/03-Avoi … Your-Means
http://howards.hubpages.com/hub/10-Plan … Your-Means
People are tempted so strongly to purchase things from seeing advertising, watching television, and from their peers that it makes it difficult to live within their means.
It's like dieting. People have no self control and want a certain lifestyle even if their salary doesn't support it.
People get into debt for many reasons, not all related to just buying stuff. Illnesses come up, people lose their jobs, etc.
But if you are asking beyond that, say for the person who is healthy, has a nice job, etc. Then I would say it's lack of self-control and discipline on their part. A need to "keep up with the Jones'" as well as a whole societal expectation that people will buy more stuff.
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