I have BP and ADHD and I'm a financial mess.

When something happened and I couldn't pay bills, I just wouldn't pay ANY of them. Mind you I have a son who lives with me who helps with the bills now - we split pretty much 50/50, but anything else - medical, credit cards, etc. has been a mess since I got my first credit card at 18 in college. Actually that's not true. I signed up for a stupid career school that threw me out and I still owed them money. For that reason I cut my nose to spite my face and I REFUSED to pay them. It finally got paid off a couple of years ago and I'm 45. They took my tax returns for a few years which is what paid it off.

I like having a roof over my head and the lights on so I tend to keep that going, but I so desperately want to buy a house - it would be CHEAPER than renting - but NOBODY is going to give me a mortgage.