My parents will be the first to tell you I have never been that great with money management.
Keeping more than $50 in savings was always a struggle for me. When I was a teenager all of my extra money magically disappeared (I threw most of it away on body jewelry, overpriced band t-shirts, shoes, and tattoos/piercings once I turned 18), and after I reached my 20s all of my income went toward bills (living on your own is expensive when you work minimum wage jobs). By the time I was 22, I had racked up tens of thousands of dollars in student loan debt – which is still growing now that I’m back in school. On top of that, I managed to max out a couple of credit cards. Altogether, my debt totaled just under $40,000. And at 23, I took out a $16,000 loan for a new car. I never bothered to check my credit score up until then. That was last September.