Honestly earnings in where I come from is extremely low, no matter how much you earn its only enough to pay off your bill, jeez, now I really wonder why I bought that stupid condo, thank God I have manage to rent it out in time before the housing loan starts eating into my savings. Sigh, money money money, no wonder in this country (or perhaps the whole world) is always in debt or living in what I would call the 'credit life' just swipe and leave the owing to the banks... I really hate that because it’s the fact I owe people money is a pain in the ass and I can progress with my future plans. When you're trapped in one life that is a life of debt, you get heaps of calls about balance transfers and that sort of thing; I mean they even have promotions going on about how to settle your debts... I read somewhere about 0 apr balance transfer and I think sometimes if you're in a situation, I think its best you take advantage of certain benefits that would help you get out of debt. Stuff like no fee balance transfers is something that you should look into if you're looking for a way out. So boys and girls, be careful and not live a credit life. Cheers :)