Interesting I am paying down a debt management program now I have 2 years left on monthly 87$ payments. I turned down Walmart credit cards and other credit cards like Canadian tire even if it looks too good to be true which honestly it does. I always tell myself never again. But I repeat the same stuff every so often.

My mother taught me how to have a poor credit rating it seems. I watched her when I was younger max out credit cards and take out another mortgage. And sneak around doing this behind my dad’s back. So finally when I got my first credit card at 19. I maxed it out but then paid it off when it came in to pay it. I also am a shopaholic and cannot pass up a deal. I feel like i am emotionally attached to money even if it’s plastic card or cotton money.