Let me be frank. (You can be Susie.) I haven’t always been wise with my money. In fact, I didn’t learn how to manage my finances until I was well into my twenties – creepin’ up on 30. Money habits are some of the hardest to break.
Buying things you don’t need.
Not having a budget.
Thinking negative thoughts. (surrounding yourself with negative people)
Only paying the minimum balance.
Not having an emergency fund.