Do you have credit card debt? Well if you do you are not alone, as there have been many studies on this problematic issue for America. It appears that the average person in the population has $8,000 to $10,000 in credit card debt, depending on which survey you read and it is a very important issue for our Nation.

This is caused by a couple of things such as the difference between living wages and the cost of living in America. Additionally it shows a bit of US decadence in our population and a sense of the deserving of the good life, wrapped in golden sheets of instant gratification.

Unfortunately this is causing friction in our economy and affecting people