It’s easy to blame those big, bad banks for the financial mess many people find themselves in today. But, all too often, the people who are hurting the worst and complaining the loudest have no one to blame but themselves.
A few months ago I made a purchase at a well known department store. When I checked out, I was told that if I would answer a few questions, I could get a 10 percent discount on my future purchases if I signed up for a credit card and agreed to pay 21 percent interest. No thanks.
On average, credit …