debt and credit

does it make you wonder how many around you actually owe credit card money.. you would like to believe most of us dont as the interest is quite high if u dont pay up.. but in reality, many of us does.. it is not a good habit but then sometimes we cant help it.. it does prove a point also.. actually we dont really have the spending power like we are suppose to.. or do just want the better things in life.. and now with the 50 buck impose on each credit card you have.. meaning most of the people wont generally cut the cards they dont need.. but in fact.. would we.. it is like dammit, i dont have enough cash till the end of the month... so logically we would just swipe the card and use it first thinking we would pay up when it is time.. but as time goes by the amount we pay increase as the usage increase.. then tada.. we are in debt.. i have to admit this.. i use to pay in time and there wasnt any carry forward amount to be paid the following month.. but things got out a hand once or twice.. now... ermm... this is what happen.. but i do feel some do take personal loan to cover the debt in credit card or balance transfer.. i am just thinking.. how or when can we only settle all these debts.. there is a saying once u reach the working world.. u work all your life just to pay off debts.. you would be lucky if u have some savings.. but then it means we are just slave in the system.. i do sometimes envy those you see dont have money worries or those u see in the middle of working time can go around and many around us u think what do they do for a living.. while some work so damn fucking hard, those just enjoy life.. yes i know nothing is easy but then sometimes it makes you wonder it is really worth it.. sigh.. for me.. i do hope to settle my debts ASAP well hopefully before i get older this year.. and have a bit of saving for.. ahem.. my future investment i shall name is as.. hehe... so i do hope most of you dont fall in the credit card trap like i did and many others..