I have been reading an ever increasing trend that people are defaulting on their mortgages and therefore losing their homes. For the past few years I have heard nothing but how you could get a mortgage with a great low rate. However some of those loans are adjustable rate mortgages and people enjoyed having low payments but they did not Remortgage and now their payments are more than they can afford. People are also getting secured loans and risk losing their homes if they do not have the disciple to repay them on time.

It is so easy to get ‘free money’ but it is also so easy to get buried in debt and drown. So it is important to learn as much as you can about your loans and the repayment process before you sign on the dotted line. Be honest with yourself and have the discipline to keep yourself out of trouble.

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