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Eight factors contributing to personal bankruptcy

In 1996, "the record 120 million Americans filed for bankruptcy in 1994, up to 44%," Newsweek magazine says. Bankruptcy stigma loosing too many have become common. " It is relevant to note, however, filed for bankruptcy in the United States alone, but are not limited It spread like an epidemic that can infect a person that does not leave too close to each other. In the UK, Australia, Canada, Norway, and ugly head pasanneun the forelimbs. In many western countries, has been a bankruptcy, many people take the path to a new beginning ".

Why the rise? Is it due to lack of burden? "Change in attitude that led to the abuse, the creditor can pay for a study of bankruptcy filers 45percent of the debt." Therefore, some just start afresh filed for bankruptcy. They also are affected by advertising lawyers to solve your debt problems quickly and easily ". Experts continue to rise during the economic boom, the recession and market crash of opinion about what would happen if the number tremble. The bankruptcy of the above reasons that explain why the sky shake is definitely lacking. Then, some other factors responsible?

Abuse of credit cards.

Robert was only a small student loan to pay the money when he married Rhonda, and she has to pay for the car. Robert says: us $ 2,950 per month, "We work full-time and between us all, but where was not." Rhonda Noted: "We did not do anything outlandish or purchase all major where our money I just did not understand. " The money is gone? They scam? Robert first married in the first year they related to their credit card was 14,000. At the end of the second year, they had a $ 6,000 debt on their credit card. Therefore, the money actually was spent. Buy, Buy and purchase your way to your credit card, you may be able to do anything. Card processing, you do not see the cash coming. If you do not have to spend, in the actual sense you purchase all while paying the same. It is not a prudent use of their credit cards inviting people to bankruptcy.

Air conditioning.

53-year-old Ira emphysema - smoking nearly forty years of results. In order to treat their own state, he will need a constant supply of oxygen bottle cost about $ 400per month In 1994 he was admitted to the hospital nine days his health deteriorated. His hospital bill, a total of eight thousand (18,000) U.S. dollars. During the year that all he spending about $ 20,000 of their own state, all caused by smoking.

The American study found that babies born to smoking mothers have twice the risk of development of cleft lip and palate need up to four surgeries in the previous two or three "situation". The average lifetime cost of health care and related costs for this condition are U.S. dollars per one hundred thousand (100,000). What happens if there are two issues affected women? If you receive a $ 200,000 gift to the bankruptcy and how? His condition will remain the same?

The annual health care costs of smoking-related diseases in the United States alone is estimated to be $ 50 billion. Shows that the bankruptcy of a major contributing factor to smoke.

Alcohol abuse

Be fine, but the moderate use of alcohol, alcohol abuse is linked to a number of health problems, including liver cirrhosis, heart disease, gastritis, ulcers, and pancreatitis. Some infants have been diagnosed with a fatal alcohol syndrome (FAS), often suffer physical and mental disabilities. The expected average life of the FAS child is uiryoeun $ 1,400,000.

The depreciatory traffic rules, the offender is under the influence of alcohol, exceeding the speed limit, and some sexually molesting children, with a range of move. Damage each year as a result of these crimes, the age of your children to the financial crisis of bankruptcy hammer is fully faithful.

Substance abuse.

Institute of Drug Abuse estimated billion annual cost in the United States and sixty-seven (67). In addition to medical costs, and most of the perpetrators of the delay is reporting late to duty or leave of absence without official permission. This is often put his job on the line. They are damages from the barbaric act of huge fines and the influence of drugs.

Hodge-podge

In the contract of the United States, one of the highest rates of sexually transmitted diseases in developed countries to the United States, more than 12 million sexually transmitted diseases (STDs) each year. The direct costs will run in the billions of dollars every year except AIDS.

In addition, the cost of heath care promiscuous people suffering a broken marriage to divorce. In most cases, in addition to the wrong partner, alimony, you will receive considerable damage.

Gambling

Problem gamblers and for the loss of more than $ 3 billion annually, about 290,000 "for problem gamblers, as well as Australia, this is a disaster. Account directly as a result of the bankruptcy, but also for the millions of people estimated to affect 1.5 ....... "Australian Prime Minister Howard, 1999. Gamblers there was nothing left, he sometimes, remember that gambling away his entire salary to pay the mortgage, or caring for a family.

This article, the lifestyles, attitudes and behaviors, unhealthy ways that contribute to the rise in bankruptcy today, so X-ray. It is therefore the only course of wisdom, it all can learn from this series. Already bankrupt people, do not smoke, smokers, gamblers, and see people smoking and gambling charm to gamble, do not.

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