"It's good to go broke before 30" - don't you love this
phrase? Well, it's famous, just can't remember who said it.
Financial problems are easy to get and hard to get rid off.
Financial problems is something that can cause a lot of grief
and even undermine our entire existence, and I am not joking
here. So what do you, if you have financial problem?
First of all, as with everything, sit down and figure out
why, in the first place, you ended up with these problems.
Determine how much was due to the bad circumstances and how
much was due to your own irresponsibility and negligence. To
explain, by 'bad circumstances' we don't mean bad luck in a
casino or card gambling (if that's the case, you've got a
gambling problem and you will have to work hard to get rid off
it). By bad circumstances we mean the circumstances which
appear beyond your control (such as a sudden necessity to pay
for a relative without being reimbursed and similar
situations).
If you establish that a large portion of the cause to your
financial problems resides with your irresponsibility and
negligence, then the next thing to do is to decide if you'd
want to change that.
