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How Do Debts Originate And Who Can Have Them?

This blogspot has been created to assist the people that find it so hard to deal with debts, to talk about debts and to resolve debts. I hope that if one person follows any suggestions to reduce debt or even pay off a debt  or debts in the proper manner, then this blogspot is successful and that is my reward for payment. In other words, I don't ask for any payment. 

This will be free information provided to all our blogspot community members. If they do not need help themselves, then the information can be offered to friends and family of theirs.

Who is an expert to help others in reducing debts? Well, believe it or not: all of us and each one of us.

So how does debt originate? Can be done in so way ways. back in the old days, there contracts signed by customers (a majority of them) for personal loans, credit cards, mastercards, secured Loans as in Houses and cars. Also it relates to products and services provided by that you purchase ( without signing a contract), on a day to day basis, which are not under contract: going out to lunch, purchasing groceries, food and drinks and all general living expenses.

When we are children, while we are at school, we may wish to borrow (for example) $2.00, from a friend of ours. We know we will pay them back next day as our parents may give us $5.00 for school lunch next day, This is when debts may start or they may start later in life.

So the debtor is you (in this case) and the creditor is your friend. Once the debt is paid their is no debtor and creditor and debt is paid. We start learning how the financial world is around us.

As we grow up,  move out of our parents home and we may have little or no money saved, there may be the need to seek financial applications for credit facilities. By doing this, it assist us with maintaining our new life and living expenses: renting, purchasing a property, whilst paying for your own personal and household expenses. The main point to remember here is, at this point this is a choice for an individual to make.

The choice should be made only if it assists you living within your means, whist paying it back. This is where the concept of repayments may break down.

Anyone can have a debt. Mother, father, brother, sister, other families, friends, businesses, governments and government departments. Small and large Business owners, Politicians, bureaucrats, Australian Federal, State & Police, next door neighbours and the list goes on. 

Inclusive are people who have investments in properties, shares, bonds and declared interests, just to name a few. A lot of people do not admit they have debts, when creating more debts by purchasing of products and services. So, when it comes to the difficult times of  repaying or discussing with creditors repayments of debts, they may go into 'hiding' and find it difficult to discuss.

So, we will discuss the importance of acknowledge debts and how you can take over your debts and save money. in next posts. I hope this is in a small way assist you already. Please provide any feedback, comments and any other suggestions  to improve this blogspot for its audience.





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