Another point is to not beat yourself up too badly. Yes, we are each responsible if we get into debt and don't control our spending habits. But from our political leaders who set the example of running a deficit, to watching TV and movies where everyone lives a Hollywood lifestyle, to a bombardment of credit card offers - our culture promotes a culture of debt. And part of the process of getting off that train track is just being aware that society is manipulating you to be that way.
People like those on savingadvice who have learned to 'just say no' are in the minority. And sometimes that actually means being looked down upon by friends who can't believe that you would rather order water than shell out $4 for a coffee.
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