The worst thing that can happen to any man or woman is the DISEASE called DEBT, it is a form of financial slavery that many Banks that loan money never want to educate their subscribers about. The bible teaches that a borrower will be a slave to the lender.
Having read an article from Dave Ramsey, I agreed with many of the reasons listed, they could be more that you yourself knows but here is a list:-
1. They Want to Keep up appearances
2. They are unwilling to sacrifice
3. They fear change
4. They are addicted to stuff
5. They don't know how
6. They are lazy
You could read more from the article and see if anything affects, then DO SOMETHING ABOUT IT, you just need to change your attitude and start off ..
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