there are two problems that you will need to teach people to overcome to solve this.
one is the pay now pay later crap that the PR people have been shoving down peoples faces for 40 years or more. It is a hard hole to dig out of in the best of times.
two is the school systems have failed. This is simple math applied to simple Home econmics. If schools would teach people real life and simple econmics facts, they would understand that any balloon rate is a trap, inflation is accroos the board - just cause you may get a 5% raise, big deal the cost of everything -everywhere is going to slowing go up. The 5% is not a real figure after the raise.
Simple math - simple econmics and how to budget are not that hard to teach. why is it not done?
|