It's 7 am - and I am waking up after a short night sleep. I did not sleep much at all - as worries kept going through my mind, all the time. These thoughts just could not leave me alone and kept occupying my mind - even when I continually reminded myself that would be fine after all. You know, me and my wife we have been struggling a lot over the recent years. We got ourselves into debt by making the wrong decisions all the time - and when we did have some money to spend, we wasted it on things we did not needed. It's the story of my life, really - as I never have been able to hold on to money or to manage it well.

There were times when I wished I had all the things my friend had. After all, they drove nice cars and lived in beautiful homes - and their lives seemed so picture - perfect! Nothing like us - as we always rented and the car I drive I don't even want to talk about. And what about my right to have good things - after all, we live in a materialistic society where there is enough for everyone, right? Often I made this excuse and bought things  I could not afford which increased our mountain of debt. Although we bought that car on finance - we could hardly keep up with the monthly payments and we missed a few, affecting my credit rating....