I do have certain debts and the effects are that it leaves me with less money to play around with every month! everyone is in some form of debt, you just have to get on with it and repay it – its not going to go away!Depends on what type of debt & whether it is manageable. A Mortgage is good debt as long as you have the income to repay it. Credit cards are fine if you can afford to keep them under control. Debt is only a problem if you do not have sufficient income to repay your debts & pay your normal outgoings such as rent, household bills, food etc.

 

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