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We see over and over again how people with debts sacrifice their essential living expenses to pay their creditors. They try to keep up with the creditor repayments by spending less on the household food expenditure and by denying the kids a trip to a fast food outlet with their friends. We can all do it for so long to ease a temporary financial situation but when it gets a continuous cycle it becomes very restricting and relationships begin to suffer, often leading to marital breakdowns.