According to Statistics South Africa, the total value of new credit granted in 2019’s first quarter (Q1), increased by more than 5% to over R134 billion in Q2. Those in the consumer market say that consumers have become slaves to credit. This then begs the question over whether it is possible to live a debt-free life? These days people even take groceries on credit the store cards that promise rewards. How did we get to where we are?