The World is in debt. Almost all people and organizations are carrying debt to survive, including the Governments of all of our Nations. This is just a fact of life and this is the way that we were raised. You must acquire debt to survive; there is no other way. This is entirely not true. In fact if we chose to save for the things that we really want, we would be able to afford a lot more than... 

Pay more than the required payment (make extra payments in the manner your lenders prescribe – so you don’t lose out because of computer errors, etc.) – focus on your highest rate debt first. Bi-weekly payments are an excellent means to pay extra principal almost painlessly – if your paydays are weekly or bi-weekly, and if there are no fees involved, and if you deal with a reputable money...