When evaluating reasonable use of credit and acquisition of debt, it is important to realize that spending should be categorized into necessary and discretionary spending. Doing so, will assist in avoiding situations in which you acquire too much debt relative to the amount of debt that can successfully support through your household income. As a means of survival, humans have to provide for their daily necessities such as food, clothing, shelter, and in today’s society, even transportation. The cost of providing the basic daily necessities is normally relatively inexpensive and does not create too much drag on our income stream, provided we have not overburdened ourselves with unnecessary debt. There are major discretionary differences in providing necessities for us that pose as threats to our financial well being. There are discretionary choices that we make regarding, the type of food that we choose to eat (or where we like to eat it), the clothes that we choose to wear, the shelter that we call home, and the automobile that we choose for transportation. Choosing to spend too much on simple necessities can bear as much burden on our personal finances as excessive spending on discretionary (non-essential) goods.