We are all living in a society where a common feature is the desire for more and more luxury items.
However we are not happy with simple pleasures any more and the only things that excite us and which become objects of our desire must be expensive.
Life costs much more that it did in previous generations when people were content with much less and often the sort of things that they enjoyed cost nothing or at least very little
Years ago families appeared to be closer knit, as did in fact whole communities, and many a happy evening was spent round the fire enjoyng the mother playing classical pieces by Chopin and Brahms while the rest of the family sang.
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Other evenings were spent with the whole family playing cards or reading books happily together in the parlour.
Children in those days did not demand the expensive trainers that children these days insist on having
Very few families owned a car and the roads were safer and much less crowded than they are now, and those who did own a car bought it by money they had saved.
The motto then was that you only bought anything if you could hand over the cash in full for it, and in those days hire purchase held no appeal, unlike now.
Leisure time then was filled with playing in the local park where children rode their bikes and played with their sail boats in the pond in the park.
Homes in past generations were more basic than now as no one wanted to borrow to pay for these items unlike now.In addition to this most women did not work and as such household income was less than it is now.
Even though children in the past did not have luxury homes and gardens with garden rooms, etc. they were probably richer in something far more important than these home comforts.
What they in fact had was an adoring mother waiting at home for them with a home cooked meal ready for them at the end of a school day
Now people want the best of everything such as fancy cars, expensive home improvements and foreign holidays.
Mainly the luxuries of life are paid for by loans, hire purchase and credit cards and when these all mount up it can be a struggle to pay them all.
Credit cards have very high interest rates and can easily become out of control and people then realize that the good things that they have enjoyed have come at too high a price and particularly costly to their state of mind.
It is then that something must be done to sort out the problem of too many debts and the best way is by debt consolidation
This debt consolidation unites all the debt into one payment, and for homeowners consolidation loans are best achieved by a remortgage or a secured loan which are homeowner loans secured against the property.
Both remortgages and secured loans have much lower rates than that of credit cards and with remortgages currently available from less than 2% and secured loans from about 9%, much can be saved not only monetary speaking but also speaking about peace of mind when debt consolidation is put in place.
The best debt advice really is remortgages and secured loans.
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