Introduction

Personal debt is often referred to as consumer debt and it simply refers to money we borrow to pay for goods or services we need or want. When a bank, credit union, or store provides money to borrow they are known as a creditor or lender. The consumer or individual agrees to pay back what is borrowed with specified terms. There are various forms of credit that can be extended to an individual, some of them are as follows:

• Unsecured credit cards — these are funds that you can borrow up to a certain limit or dollar amount without any asset (owned by you) to back the borrowed amount. The credit is revolving, meaning if the funds are not used up to the credit limit they are available to borrow at any time. Once the balance is paid off or down, borrowing may resume. Finance or interest rate charges accumulate each month based on the outstanding balance and the stated annual percen...

In order to create work that better serves the needs of our users, it’s important to understand some basic psychological principles. Which is why we want to share with you Gestalt theory. With this toolkit under our belt, we can consciously design user experiences that truly fit the users.

Introduction to Gestalt psychology

Gestalt theory was founded by Max Wertheimer at early 20th century. This psychological philosophy addresses with perception, perceptual experiences, and related patterns of stimulation. The motto of the gestalt philosophy is:

“The whole is other than the sum of the parts.” — Kurt Koffka

When human perception meets with complex elements, we recognize the whole before we see the individual parts. As a designe...