We have become a country that is significantly materialistic, a nation that never fails for wanting the latest toys, gadgets, and technology. If we cannot afford it, there is always a financial option we can choose from such as payday loans, short-term installment loans, payday loans, or credit card cash advances to quickly obtain what our heart's desire. An average of $8000 in consumer credit debt alone, is what most of today’s consumers owe. Our wide-open ability to overuse, and sometimes misuse, our financial advantages is what sets us up for disappointment and a failed economy. We must change our negligent ways and learn to better manage our finances. Not only should we keep in mind the money we could save, but with the way our economy is going, we should also have consideration for many of the other privileges we have in life such as water and energy supply. We have been fortunate enough that global poverty has not lashed out its whip at us, and that we have many resources to utilize in any situation, especially financially and medically. We should not take for granted the gifts we have that many others around the world are longing for. So start counting your blessings, my fellow Americans. Practice conservation so that you will have more yourself as well as more to give others. Click here to read more about payday loans.