At first, the lure of borrowing small amounts of money seems innocent enough. Content in the belief that the money owed will not be a problem to pay back, and further reinforced by the initial payments towards it, we can become ever bolder, getting deeper and deeper in until we reach a point where the debt is suddenly not so easy to pay down, and just paying enough to not go further in the hole becomes a challenge. When the point is reached where our payments don't even keep us on even footing, a vicious downward spiral will begin that ...