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. Bobby Eklund states:

Families are in financial crisis, not always because of economic downturns or situations out of their control, but because we normally bring these problems upon ourselves. Families have readily accepted the notion that the best way to get things done is through debt. It is not surprising since we are constantly bombarded with the suggestion that credit is the best route…Many families have never calculated their total debt on credit cards and other loans… The result is a family that lives in a house it can not afford, drives cars that are beyond the budget, and uses credit cards to help juggle the payments. Eventually it all comes to an end, and the family finds itself in the midst of financial collapse (10,11).

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