Excessive debt
Once you get into debt it is difficult to make even a little amount of savings, after paying for your basic expenses such as rent, utility costs and car costs you probably find yourself in the same place where you’ve started.
Sometimes loans can go forever if you don’t take a precise look on what you spend, what could be dispensable and what is a necessity. Take a good look on your debts as well, try to identify the “good” debts with the lowest interest rate and pay back the other ones first to pay less interest. If you would like to consult a professional look for a debt management company or a financial advisor.