I’ve seen this picture float around the internet that says, “you weren’t born to pay bills and die”. I can see the point it’s trying to make: life is about more than working and paying bills. But, not to burst the picture’s bubble, the simple fact is that there will always be bills to pay. Unless you become the man who quit money, you are always going to have to pay for something, like utilities or a phone service. So, while I agree that you weren’t born to pay them, you will, in fact, probably always have to.
What you don’t have to do forever is live with debt. You don’t have to spend every month calculating how much you can afford to put towards debt repayment, while continuing to use credit, and staying in the never-ending cycle of borrowing money and trying to pay it back. It’s not an easy cycle to get out of; I know that firsthand. But it is a cycle that will not only control your finances, it will control your mind and your life – and our time on this planet is far too short to let debt control your life.