You will find more and a lot more personal finance troubles everyday with a lot more and a lot more people falling into our recession's black hole. People are taking out a lot more installment loans just to stay afloat a lot more and more. Here is the proof: Personal finance savvy rising, but high credit card debt persists The best thing to do is be careful of your credit score. So many people are hurting their credit just to live that they definitely won't be able to get any future financing for some time.