I would like to start with a story….I grew up in a low income neighborhood and didn’t have the best life. A long time ago I made the decision my kids’ lives would under no circumstances be like mine. So, I went back to school as an adult and earned my Bachelor Degree; I worked multiple jobs to make sure my kids had a good life.
Doing great, right? I am very proud of my accomplishments-moved out of the slums; put my kids in a good school district, my husband and I have decent paying jobs-doing great!
Wrong! While we greatly improved our lives it didn’t come without debt. We were never taught to budget our money. We just made it, paid the bills and spent the rest. Like many people, we have credit card debts, loans, mortgages, etc.