Debt.

I have come to fully believe that Debt is the cause of every blessed thing we are facing in America right now in terms of the financial issue. To be willing to use a card to pay for things you haven't earned is beyond the pale of wrong, and to have a whole system built on it is nothing short of national suicide. And it looks like we are dying.

Consider the old days. You couldn't eat something till it grew and you cooked it. If you grew fat, it was because of a real abundance, not a 25K credit limit deluding you into thinking you could go into the best restaurant in town and eat a steak.

We buy cars on debt, we buy homes on debt. The second market is in collapse and the first is getting there fast. People are turning against debt. Dave Ramsey, who advocates the destruction of the credit business, is a national figure with his own talk show and radio show a series of webinars and books. He advocates doing a " plasectomy" and cutting up those credit cards.

I have to agree with him. They are a trap. They are designed to be a trap. And the men who designed them are now living off our taxpayer dollars, in the form of Bailout money.

Ladies and gentlemen, I urge you TODAY to make a decision to stop using plastic. It might cost you some THING you want or even need, but suck it up and do without that latte, that new dress, that CD. If your car needs repairs and you can't pay with real money, find another way to work till you can. In my case, I am putting off dental work till I can pay CASH not plastic. I am working 7 days a week and trying to make myself do more hours in the days.

Overcome your emotions. They are evil things, they lead you to buy when you should save, spend when you should not, treat yourself when in no way can you afford it - which means you dont deserve it - and value yourself too highly.