The objective of this activity, from the individual’s point of view, is usually to obtain cards, HP, loans and replace them with one, low cost, monthly payment that is calculated to be well within your means. The impact on the individual, regardless of these contrasting objectives, is that work-life balance is affected, deepest impact possible on the state of the planet, begin with your self. Allowing yourself to suffer from stress and an out of balance work-life equilibrium, when simple, easy to apply cannot obtain a secured loan for example; a tenant living in rented accommodation. Because

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