However, more often than not, debt arises as a result of life circumstances. Case in point: Here are five possible causes of debt and how to address them.

What Causes Debt?

The narrative of debt always being a problem of overspending is cut-and-dry. It says people with debt have brought it upon themselves through voluntary spending habits. Again, sometimes this is true. But this theory fails to account for many key causes of debt.

Here are just five potential causes of debt.

1. Rising Cost of Living: About a quarter (23 percent) of Americans are running up credit card debt to pay for basic necessities like rent, food and utilities. The cost of living has risen disproportionately to wages, which means money isn’t going quite as far these days. It’s completely understandable to find yourself overwhelmed by debt simply trying to keep a household running day to day.
2. Marriage/Divorce: Marriage and divorce each bring a respective set of expenses. Weddings and honeymoons can cost thousands of dollars — and divorce proceedings require paying an attorney for their time. A change in marital status can also simply bring a disruption to your routine, which makes room for debt to wriggle in.
3. Medical Bills: Did you know most bankruptcies in the U.S. actually stem from medical bills? Whether you’re insured or not, exorbitant medical bills can crop up at any time. Oftentimes, all it takes is one visit to the emergency room or one procedure not covered by insurance to kick off a cycle of debt.
4. Credit Card Usage: It’s easy to get into the habit of putting purchases on a credit card and vowing to pay it “next time you get paid” or “next month.” Problems start to arise when interest accrues and compounds, making it increasingly more expensive to pay off your balances.
5. Loss of Income: One day you may have a job, the next you may not — it’s an unfortunate reality we all have to consider. Losing your main source of income can put a huge strain on your financial health, especially if you have several non-negotiable bills to pay every month, like rent/mortgage and car loan.

This just scratches the surface as to why people get into debt. But one thing is clear: It’s unfair to say debt is simply a matter of miscalculation or overspending. It’s a complex issue with roots in many different areas of life.

How to Address Your Debt

Debt can come from many sources. But how can you go about addressing it? The short answer is it depends on the amount and types of debt you’re facing.

According to Freedom Debt Relief reviews, many people who have enrolled in debt settlement programs cited medical bills and credit card debts as their reasoning for doing so. This is because settlement — which involves negotiating with creditors to lower how much you actually owe — only works for unsecured debts.

Consolidation is also a possibility, either by transferring high-interest credit card balances to a card with low or zero-percent interest or by taking out a loan and using it to repay the rest of your outstanding debts. To get approved for a consolidation loan, be aware you’ll need to provide proof of income.

Bankruptcy is an option in extreme cases where repayment in full is impossible — but treat this strategy as a last resort because it will damage your credit for years to come.

Understanding why you’re in debt is the first step toward choosing the most advantageous solution for your specific situation.

It comes as no surprise that RuneScape is getting the same treatment as OSRS. The latter’s mobile version proved successful, so it’s not a huge leap to do the same for the former. Now, it’s in early access, anyone with an Android phone and a membership can download and play it.

Here’s all you need to know to bring your adventures on the go, as well as all your Old School Runescape gold (OSRS Gold) and inventory.

What You Need

First, you’ll need a phone running an OS that’s at least Android 6.0 or equivalent. If you’re not sure, check it in your phone’s settings. Be warned though, the phones with the bare minimum of requirements might not support future updates. They either won’t be able to fully update the app, or have some features unsupported. Since it’s still in development, there will be some compatibility issues as well.

Second, you’ll need a RuneScape membership. Those who are enjoying its benefits in the PC version may join the beta without any delay. Free-to-play players will either have to wait for the official release or pay for the membership. It’s up to you if you think the benefits of the package is worth it or not.

As for iOS users, you have to wait until next year for a chance. There’s no set date for release, so watch out for the news about this.

The Benefits of a Mobile Version

Portability is the name of the game. With our penchant for looking at our phone screens most of the time, why not use that time to grind in Gielinor? On your way to work or school, you can keep leveling up or check on whatever you need to.

For the developers, it’s an avenue to open the doors to a new audience. OSRS mobile version brought an influx of new players to the PC version. That’s after they discovered the game through the app store. From the player’s perspective, that means new friends. If you had friends that were resistant to play the game on a desktop, you can introduce the app first.

Also,RuneScape is cross-play enabled!

What does that even mean? Well, it means you can seamlessly transfer your progress in-game from PC to mobile, and vice versa. If you’ve used your commute to farm or level skills, you can fire up your PC at home to continue and charge your device. Otherwise, it could go in reverse. You’re playing on your desktop and someone invites you out. Instead of lamenting the loss of grinding time, you can just log in to RuneScape on your device and go meet your friend.

This Runescape mobile version is beneficial, so be sure to leave good feedback! Jagex wants to know what works and what doesn’t. It’s all for the betterment of the game. They want RuneScape to be the best it could be. Your reports will help them figure out problems or improve on what’s already working well.

It’s only a matter of time before it rolls out for everybody. Once it does, you can enjoy Gielinor on the go! Keep on enjoying RuneScape!