From time to time, the majority of people have a need for more money than they have lying in the bank.
Unless a person is born into a wealthly family, meaning that his wealth is inherited, few people can go through life without borrowing from time to time.
There are absolute essentails that everyone needs to survive, such as light, heat and clothing, but even these simple things are expensive.
These are essentials that no one can live without.
Even in the supermarket, people can be surprised at just how much the weekly food shop is now a days, with ribeye steak, for example, costing up to 20 a kilo, and a free range chicken costing in the region of 10.
Then surely it is everybody's right to enjoy a few weeks holiday every year after a long hard year of strenuous work?
Everyone needs a break to recharge their batteries for the rest of the year, full of problems and hard work with little free time in which t! o enjoy ourselves.
Almost everyone from the working man to those in the upper middle clases have little money left bfore they receive their pay cheque or salary.
Credit cards and personal loans become necessary. to buy the more luxurious items in life and to pay for the much needed holiday
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