Journaling:One thing I wish I would have known as a new or young adult is a little bit about credit. I thought that turning 18 I was so responsible and could do anything and ran out and got a credit card. That began the first of many bad horrible habits. It was the first of many credit cards to buy things I couldnt afford and that one was to buy Christmas gifts I couldnt afford. I have now recently learned more about credit and the effects that it has on my life, my marriage and on my kids and their futures. I hate the stress and all the weight it puts on my shoulders and the regular discrepancies in my marriage and all the things we live without because we are paying off debt. We are paying for things that are probably being sold at the Goodwill right now as I am typing this. I hope that someday I will be out of debt and that my children learn to live in a world without debt. This is what I wish I knew back then.

Credits:
Biograffiti - Note To Self Add On kit, Freebie Template
Kathryn Wilson - Fun With Stitches