Since we got married, my husband and I have gone from one financial debt to another. I don’t recall there being any time when we weren’t owing and I am sick of it. What can we do to get out of this cycle and live a ‘normal’ life? (Banke, Bodija, Ibadan)


First of all, I would congratulate you for identifying that there is a problem for which you desire a solution. Secondly, I would suggest that you have a sincere discussion with your husband about the situation of indebtedness in the family. I’ll strongly advise that you live within your means per time. The truth is that you can make do with what you have, even though there’s always a temptation to have more. You have to be disciplined to live a debt-free life. You have to consciously close your eyes to things that are not important to you or things that could be deferred to a later date when you have the money to pay. You have to decide with your husband to live within a budget. It is the best way to forestall indebtedness. Through this way, you’ll be able to break free from the cycle of indebtedness.

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