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Nobody wants to be caught in the debt; however, most of the people end up in huge debts, even if they do not want to. The economical as well as the social life of a person is greatly affected through this. The person is so much harmed by the debt that it becomes inevitable for him/her to avoid bankruptcy. This situation forces him/her to sleepless nights, and stress of finances. Thus, the person totally loses his peace of mind.

Our lives in the last decade or so have become so fast that it has become very difficult to maintain a record of all the expenses that we incur. People today find it very hard to maintain any kind of savings, and the handful who do manage them do not know what to do with them. Living on this planet is not free at all.

1. Choose the Best: Since every field and every discipline of work has some good and some not very good names, it becomes hard for any new comer to identify the best.