With less than two weeks for the year to go, there is one of two lots that must be characterising some people‘s lives at this time: either being bothered by some unpaid debt burden or getting preoccupied with the prospect of some in the approaching New Year. Of course, the probability of getting into debt in the New Year is very high for certain reasons. The pervasive festive mood is a ready trip to avoidable debts, especially for those who cannot operate a disciplined budget. Besides, the early payment of salaries by companies and other employers is a potential threat to an uneventful financial life in the early days of January, thereby increasing their chances of borrowing to survive, more www.360naija.com/index.php?topic=334.0