The Bad News: The dishwasher breaks; your car needs new brakes; the roof springs a leak; you’re laid off from work: our basic needs sometimes exceed our income, which means we spend money not in our budget.
Advancement in neuroscience tell us how billions of neurons act together to form a mind. Millions of such minds together form a market. Mind, acts irrationally as well as rationally to drive markets crazy.
Consider consolidating your debts into one. You may be able to reduce your outgoings and hence reduce any interest or late payment charges you are currently incurring. A consolidation loan may also offer a cheaper interest rate.