Most Americans are in bad shape if some expensive issue comes up. Because of a lack of preparation, many times people are forced to rack up credit card debt to pay for the expense or get stuck with late and extra feesBefore we start to analyze and effectively answer the question, I just want to say, I know it can be tough out there. Stagnant wages, climbing student debt, job loss, etc. Everyone has a unique situation, but many also would be better financially off if they would justLive Below Your Means.It’s a simple concept, but sometimes it is much harder to follow in the long run. This is a big problem for a lot of people, and most have their blinders on and evade the main issues.

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