I really got off track in June. I've justified it to myself in a lot of different ways, and in truth, most of my spending hasn't been frivolous. There has just been a lot of it all at once. I think the biggest reason is that I've been fairly focused on getting set up in my new place and getting back to some semblance of normalcy that I stopped focusing on the financial picture. It hasn't hurt me too much, though I did spend more than I earned in June (more on that later), but if I don't get back on track, I think it will.
Three Overlooked Tools for Repairing Credit
11 hours ago