If you use credit cards without paying the balance monthly, owe money on a loan, or are paying off a home mortgage, you're a debtor .
Many economists believe that indebtedness keeps our country financially on the move.
The theme of our consumer-driven economy is borrow and spend. It's not popular to suggest becoming debt free. Getting rid of your debt isn't always easy. However, the process is actually very simple. That means no bank or family loans, and tear up the credit cards.