Reading the article, one has to wonder how many of these people are living beyond their means.
Most people aren’t willing to stop spending on the extraneous things to concentrate on paying off the bills for those extravagant items.
How many are rocking new iPhones? Have a three pack a day habit? Suck down overpriced ‘coffees’ and eat out daily?
The times I was in dire financial straits, it was my own fault. I spent the money on stuff I didn’t need, racking up the credit bills for stuff that didn’t last as long as the bill.