Some things I have:
- a full-time job with a good income
- just over $20,000 in personal debt
- great credit nonetheless
- some counterproductive neuroses about money
In other words, while on paper my income should slightly exceed my expenditure, in reality, I usually spend at least the last few days of my pay cycles living off my credit card. Of late, that period has been extending itself, which is doing me a concern.