Most of us never receive any formal instruction in finance, and so it’s no surprise that so many adults at some point find themselves in financial straits. If you’re lucky, you learn your lesson early on and you’re able to repair any damage you’ve caused in short order. Maybe you overextend with a low-limit credit card, but over the course of several months you pay it off and you solemnly resolve to be more careful with credit in the future.
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