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Question: Are most Americans living beyond their means? Is there, too much personal debt?

In the past 20 years, I have seen a dramatic increase in the amount of credit that is offered. I get at least 2 or 3 credit card applicantions in the mail a week and receive regular phone calls about home equitiy loans and debt consolidation. Back in 1983, I had to establish credit by getting a department store card, before Visa or Mastercard would offer me one. I had a full time job at the time and wasn’t carrying any debt, either! Now, college kids, who work part time can get major credit cards!

I live within my means and do not carry more debit then I can handle if I lost my job tomorrow. We paid our home off in less than 15 years, we had a 20 year loan and made extra payments. I don’t have the numbers in front of me, but we saved a lot of money by doing that! Anyway, my advice to all Americans is to limit your debit and live within your means.

sanrun

Answer: Way too much debt.

http://blog.360.yahoo.com/blog-pOypG0szd7Pv_X1rQxw_4qCWpA--?cq=1

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