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Getting into debt or having poor money management can cause lots of trouble, not only to oneself, but also family members. We often hear about harassment from debt collectors when one failed to pay up on time. Sadly even with such awareness, a person who is desperate for money can fall into this trap very easily. The only way to solve this problem of course is the courage to seek for debt advice help. So, it is essential to keep an eye on our children to control their habit of spending from young to promote learning on the value of spending.