Generally it always starts with that one phone call or that one advert. R600 free clothing vouchers when you open an account with us. Apply today. Or what about the call “Sir, you qualify for a silver credit card with our bank, you can go out and buy that item you have been dreaming about., With just a quick interview we can have you credit card in the mail today.”
Somehow when all the sirens in our heads are going off and saying no, our mouths are salivating at the chance that we can spoil ourselves. We deserve to spoil ourselves and it is just that what we land up doing. We spoil ourselves and start a perpetuating cycle of spending more than what we earn.
You accept the offer and now you’re in debt.