Ang Pangungutang ay maaaring makabuti o makasama.Alamin maigi kung mayroong pagkukunan ng pambayad sa utang sa buong panahon na nakatakdang  bayaran...Marami sa atin ay pumapasok sa utang dahil mayroong nang pang "DOWN PAYMENT" ngunit wala namang siguradong kita na mapapagkunan ng pambayad ng "amortization" buwan buwan o taun-taon...Kadalasan, nareremata lamang ang bahay o kung anumang ari-arian na nabili sa installment .....The irony of it all is that you could get into debt trouble by being a good debtor.. if you are so religious in your payment or your credit card obligations , you will find that you will become a much sought after client of credit card companies. You will get so many credit cards offers that unless you really have the will to resist , you will end up availing of more credit than you need. So many have fallen into this trap and are practically working just to pay debts.