My most negative experience is accumulating debts. I have not been careful in my spending and would often swipe my credit card without control. As every month, i did not pay the credit card bills, the amount i owe became more and more each month. Soon, ite became too overwhelming for me and fear came into my life. Due to this, I was not confident and even have fear of being bankrupt. It caused me to be anxious and even now after things have been settled; a repayment plan was set and I am still paying a big portion of my salary to these loans,