Ehhhh I wouldn’t be so sure

It’s really easy to fall into when you’re month to month.

You just barely scraped by on the rent and essential bills. Now you have $36.29 to make it through the next 2 weeks.

But hey, you do have that credit card with a few thousand available. You need to get food for the house and $36 ain’t gonna feed the kids. You’ll be frugal. Maybe $200 or so. You’ll pay it off next month.

But next month it’s the same story. Minimum payment it is.

And next month

And next month

And then you need emergency dental surgery

And then…