In my experience, lots of people are!

How is it that some people – who don’t necessarily earn a great deal of money – always seem to have money to spend? Yet there are plenty of people I know, who earn a lot, but they are constantly in debt? It’s always fascinated me…

Seems that some people are missing pieces of their financial jigsaw. It’s the only answer I can come up with that makes any sense.

I’d love to hear your thoughts and comments on this. What pieces are you missing? What have you noticed about others who maybe have a load of credit card debt, or constantly struggle to pay off their loans — or worse, constantly take out new loans to cover their existing debt…

What do we all need to learn about debt, and how to manage our finances more effectively?

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