Case 3: Credit Blues
Although some people can control their consumer credit financing patterns, others seem to get in over their heads. They soon struggle to keep up with the interest charges on their statements in addition to making payments on principal amounts. When this occurs, a drastic cutback in living standards is often dictated. Only a few people seem to go through such an experience without its having a negative impact on their attitude. Their academic goals and careers are often permanently derailed.
Since it appears Manuel is facing serious financial problems, some suggestions for him include the following:
Curtail consumer spending immediately. If necessary, Manuel should destroy his credit cards.
Seek less expensive forms of recreation. ...
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