Hi @focusnow
Yet another interesting publication. Upvoted already.
I think you've made small mistake in your first sentence (as it doesn't make much sense):
Many people today do not know when they will become completely from from debt.
I absolutely enjoyed reading your publication. Financial awareness is something that most people are lacking and idea of budgeting expenses seem to scare many. Thx for sharing your knowledge with us.
I found it very challenging to teach my wife not to use credit cards if not necessary. To only spent money for products/services only once you allocated those money in the first place. Now I feel like I created a JEW. She doesn't want to spent penny on anything but her own little dog hahaha :)
Cheers,
Piotr