Any family will be enduring extreme financial stress if they start spending more than they are earning , and sadly most of the families around the world aren't wealthy enough or haven't highly payed jobs in order to pay for every necessity + taxes and have some money left for either entertainment or urgent situations . Moreover , the banks have encouraged such actions by making people able to spend a certain amount of money that they don't have and cut it from the next wager , which made people even more into spending especially that we are living in times where advertisement entices us to buy what we don't need by tapping on emotions and making us think that we'll have the best hair or the best skin by buying a certain product , when in reality all similar products with smaller prices will do the same .. Such practices will result in salaries disappearing by the 2nd week of each month hence the stress that everyone will be feeling ..