This book is dedicated to all the fellow readers who are struggling with debt. I decided to share my story and experience because I understand the pains. I can feel along with you, the dilemmas, and the life struggles that come with debt. 

This book is also a useful testimony and guide for debtors across the globe. The world financial systems continue to tighten their grips on people’s pockets such that they end up pushing people over the edge. In fact, many people end giving up.

Even as our national debt continues to soar up high, our personal debts continue following suit. Many of us cannot wrap our minds around paying for anything in cash, we simply love swiping our credit cards, taking loans for literally everything and doing lots of other things that we wouldn’t have done if we had no one to lend us the money. We simply love debt because it is the friend that lets us buy what we want but cannot afford. That simply explains why we have over 1.2 billion active credit cards in America. Just to help you get a picture of the amount of debt that we have, Americans owe over $856 billion in credit card debts arising from credit card fees only! To add on, we have over $3.2 trillion in consumer debt, which simply averages to around $12,500 for each person. To us, charging over $2.0 trillion annually on our credit cards is something we do without blinking because we have been led to believe that we can afford it.

Our credit system has taught us that the more we can borrow and pay, the easier it will be for us to borrow more. We’ve even been encouraged to borrow thanks to the reduced borrowing fees that we get as we improve our credit rating. However, the sad truth is that this ends up trapping us in a circle of debt that many of us never find easy to get out of. We end up borrowing in order to pay credit card debt and other forms of it. We simply feel that we cannot blow away our perceived purchasing power so we will do anything in our power to settle the current bills even if it means borrowing more. Well, the truth is that all this has a breaking point, it is simply unsustainable if the number of bankruptcy cases filed in the country is anything to go by. Life doesn’t have to be that way, you don’t have to go down the road to bankruptcy, because you still have a chance to do something about it.

If you are one of those struggling under the weight of debt, and are about to give up, then don’t give up yet. My story might give you a different perspective to what’s going on and a  possible way out. You might get inspired to change your mind.