We are in a booming job market, unemployment is down, and yet personal debt is on the rise.

There are more and more shows on TV, that talk about debt, or how to get back on track, and they use regular everyday families that are making good money, yet on the verge of going bankrupt.. how does it get so bad?

On one of these shows, a woman nailed it on the head, we are so busy, and we just forget to pay the bills... we don't sit down and look at anything, because we are to scared we will see the truth about where we stand, so we basically ignore it, and then ignore the creditor phone calls and hope they will just go away!.

She also went on to say, that although she had a high paying great job, she never really learned much about money and debt, and was raised in a family where no one talked about money.

I think that personal finance should become part of the school courses, maybe starting around the age of 12 when kids starts wanting things they see in the media.

Teach them to save for items they want and not go for the instant gratification of credit, and we don't need everything out there.

That also spured other shows on how to get rid of clutter, as people buy and buy things they don't really need, just wanted at the moment because we have access to so much credit.

Remember our parents and grandparent days?.. you had to save up for the things you wanted and only went into debt for the large purchases, such as a house or car.

If we start teaching the kids to learn to budget and live within their means, then we may end up with the next generation a wee bit smarter about credit.