Open Social? Never heard of it. But considering I rely upon Google so much I guess its something to go and research in depth. Thanks for the heads up. I am grateful for any Google news.
We need good leadership but good leadership is only as good as the people they surround themselves with. Hopefully that will happen. One man (or woman) cannot carry a country any longer. It has to be a team effort.
Yes, the effort is immense. The older you get the more discipline people usually develop. It's the young generation that usually gets in trouble, for the most part.
Whoever said getting out of debt is easy was never in debt. It takes a huge amount of discipline. But if someone had no discipline when it came to accumulating debt they likely have little to pay it off quickly. Forming a budget and sticking to it is crucial.