Marketing people make me laugh sometimes.  They come up with these phrases that they think are brilliant, but often  there seems to be little or no thought placed on the moral value of the message.

I’m in the debt management business, TRUST ME, you are not as rich as you think.  In actuality, you are probably a lot poorer.  In fact one of the lessons I learned early on in life was that you should always live well below your means.

The problem is people seem to believe that happiness will come to them by way of acquiring this car, or that house and so on.  Marketers rely on human nature to show off.   You don’t need to show off by racking up your credit.  The truth is nobody really cares, and they care less if you can afford to make the payments or are drowning in debt.

Don’t buy into the hype, staying out of debt is simple if you live within your means.  Just spend less than you make every month, and save money for a rainy day.

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