I once met a man who said that he had a trick to living in such an expensive world. He would apply for credit cards and charge everything he bought, including food, clothing, furniture and even the gas for his auto, and pay them off by only paying the minimum amount due. He would accumulate so much credit and was in debt a tremendous amount but he only paid minimum amounts on these accounts. Then one day he realized he couldn’t pay these bill and decided to declare bancarrota and wasn’t responsible for any of the old charges. This was many many years ago and he waited a long while to start it up again. Starting in his old patterns, he ran up high credit card bills once again. He thought all he had to do was declare bancarrota again. Unfortunately for him the laws had changed and he was still responsible for all that he had charged this time. Poor man didn’t know what to do with himself. Well, serves him right for trying to trick the system. I really hope that he learned a lesson this time and will be much more careful in his spending habits from now on.