Yes that's true. Every one deserves to live without debts. So nice to have no debts at all, you can live comfortably because you don't need to set aside from your earnings to pay for any debts. You have no worries that you might not able to pay your debts. You can easily manage your finances for your daily expenses and the monthly bills. Yes. There are so many ways to avoid in debt specially now that there is recession globally. If it happens that you are affected , you will never pay your debt anymore. It is better if you be alert of your finances now. Be thrifty or spend wisely. Try to spend only of how much you have earned and never spend more than you earned. Be wise and start now. Try to lessen your unwise habit of using of credit cards. So many ways to credit counseling companies ! You can approached also those who are expert of managing credit card debts if you have any for debt management companies . This will helps you to settle all your debts. They have options for you to choose in which how to settles your unpaid accounts. So what do you think? Don't you think this is the best for you? Hurry up ! This is the best site for you to provide the best help to settles your payments of your credit cards. Remember there are so many debt negotiation around who are just only putting you more in debts because your payments are not manage accordingly. Search simpledebtfreeliving.com for further information.