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[quote=Anonymous][quote=Anonymous]No, unfortunately, habits did not change.  After about a year, got a bunch of credit card offers.  Slowly trying to pay off cards, and close the ones that have annual fees and keep 2 with largest limits.  At the time, bk was the only way I could see myself recovvering, but 12 years later, bad financial management is still an issue.  To make matters worse, I have more than tripled my income from those days, but still over my head in debt.  I'm really pathetic![/quote]

PP! bad financial management is often a sign of low self esteem or sometimes a result of trauma. In the former case, you are not valuing yourself enough to manage your finances in a healthy way,  In the latter case, if you grew up with chaos and crisis in the family, you're  used to feeling under siege.  if the external circumstances of your life have changed, you may unconsciously create circumstances that recreate the feelings you experienced as a child,

Please consider seeking help.  You are not pathetic.  I suspect that you have some emotional scars that arE keeping you stuck in unhealthy patterns. [/quote]

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