UNDERSTAND WHY DEBT IS AN ISSUE
Mwandiambira says debt can be so much more than a f inancial instrument. He says that often, debt is a symptom of a personal problem or deeper psychological issues.
“Using debt consolidation, transferring balances to a credit card and selling assets, such as a house or your car, does not address the root cause of the problem. You are trying to relieve the symptom by looking only at financial issues,” he