OUR GUEST TODAY IS Founder and CEO of DEW Movement Nolubabalo Salem Nyati with over 15 years financial services experience.

Many people use debt to fund purchases they would not otherwise be able to afford, such as a home or a car. 
While loans can be great financial tools when they are used properly, they can be great adversaries as well. 
To keep from taking on too much debt, you should understand how loans work and how money is made for the lenders before you begin borrowing money from eager lenders.