My mom was the one who taught me the power and will to save money. Its not always that you will have all the good times in the world, there will always be a time when financial difficulty will hit you big time. Crawling back to financial stability take months and years especially these times when global recession is still on among all countries. Lots of companies, businesses and even small time entrepreneurs are filing bankruptcies to avoid further looses. Good thing is, you dont have to own a company just to try filing bankruptcy. If you have a lot of debts that you can’t even try to breath properly now, there is a debt settlement that you can try.