If there is anything the credit crisis over the last few years has taught us is that debt is bad, despite what financial companie’s try to tell you. The other thing is that everyone has to really watch their spending. Part of the monitoring of spending is those little things that you buy, like coffee, latte or a bottle of water here and there.If the economy continues the way it has been for another few years, you will most likely be forced to change your habits, especially if you are in heavy debt, you have no savings or if you are in a job that is at risk of layoffs.
