By Melissa Williamson
MoneyMix Contributor 

As much as I hate to admit it, I am like my mother. (Guys, I'll get to you in a minute...) "You have a job interview?" she exclaimed. "You need to get a new outfit!" I drove to the mall and bought pants, a suit jacket, and two button-down shirts. Mind you, it is summertime. I could have worn my short-sleeved pinstripe suit complete with camisole and skirt. But, oh no, I need that new outfit.

Is there a button in a female’s brain that makes us buy one outfit complete with shoes, purse, make-up, and jewelry just for one occasion?

okay fellas, it's your turn...

We're young. We can get out of this debt hole we're digging.

You just bought a killer computer game. You want to play it, but your computer is too slow. So you grab a new video card, a new processor, and some more RAM... ooh and it would be nice to grab another hard drive. You grab your wallet and dash to the store. Your games need to run at peak performance with no lag time. But at this point, you’re out a lot of money, aren’t you?

Oh, and let's not forget ladies and gents, that creditor keeps calling. They called when you were asleep... at 10 a.m. Of course, they call as late as 9pm! They even call you on Sunday.

Guess what, though? We’re young. We can get out of this debt hole we’re digging. It’s easy, too.