It's tough and it's why I don't like having debt. Anyone can make that change but it takes effort and I find that a lot of people are lazy now. They just charge everything they can on their card and it's not a surprise to see their finances in trouble. At the same time, the economy doesn't look that great either. So we can't rely on our current sources of income that much.
I was reading an article today of a person who declared bankruptcy after taking a holiday. She is 24! The article made it sound like this is a viable option for people who get into a lot of debt....
That sounds like they are being irresponsible and I guess they are just trying to get out of paying that debt.