Getting into deep financial debt is easy. Everyday we’re bombarded with dozens of offers, which tempt us to get into credit debt. Overspending and not keeping track of expenditures also causes you to lose sight of your financial goals as well as your hard-earned dollars. Of course, the main reason we all overspend is to feel good about ourselves. The problem is that it’s never enough, so we end up in a vicious cycle—the more we spend, the more bills we create and the more bills we create, the worse we feel, the worse we feel, the more we spend.