Crazy credit card debt sufferers are most of the time like people who put on a lot of weight. Why is that so? We would always like to think that money is independent to other things in life. If a person spends frivolously it is because the person is not financially literate. The person doesn’t know how to save. The person spend too much! Touch your heart and think how many of your friends and family who suffer from money problems have never learn to save money, save for rainy day and don’t spend too much. I’m going to show you that the usual starting point has got less to do with financial literacy than 3 things:

• Awareness
• Having too much time on their hands
• Limited Willpower and Decision Making Power

And how we are going to tackle these problems better. Awareness People usually know for a certain area of ......