debt consolidation
For a long period of time, I was not able to understand why a lot of times, women, especially, resorted to shopping therapy. I mean, I could not even understand what shopping therapy was. Now, having gone through some stressful moments in my life, and having experienced what those women usually experience (as I think), I understand that sometimes…in my case, often times…shopping therapy is really part of a huge vicious circle, where stress over lack of money and too much debt causes me to act unwillingly and resort to shopping therapy, spending more, getting more into debt. I realize, sometimes, debt is unavoidable, like, urgent car repairs, certain necessary travel, education, and so forth. However, when it is avoidable…again, how can I define "avoidable"? Is shopping therapy avoidable? Or, are the consequences of not resorting to this type of "treatment" worse…Do they cost more than the therapy itself? Or, is shopping therapy even therapy? How therapeutic it is? Is it more therapeutic than to eliminate debt itself? And is debt consolidation, like debt consolidators, even help? I wonder, frequently, what debt help does. I am sure that the obvious benefit is that it creates some sort of control in a person's life - the person knows exactly how much he or she is going to be paying per month for all the incurred expenses. But a bit lower payment, is that control? Or is that another burden that, instead of being spread out is just all at once, consolidated? After all, once a person has to pay out a huge amount of money - a debt - it is unlikely that a $20 extra or not might matter…or maybe they will.