If you stop to consider the trend, everywhere you look, people use debt and credit to get by. Whether purchasing a home, a car, going on vacation, starting a business, improving the house, or shopping for groceries, people use credit in one way to another. Loans and credit cards are offered by thousands of lenders and financial institutions.

Is it possible to live completely debt free? Do you really need credit to live a comfortable life? Or is debt the reason why many people suffer from trouble and pain?