Congratulations! You have made it to Step 3 of Financial Suicide by Choice! You're really cooking now. At this point, you're probably wondering how you'll ever pay off that credit card debt or remember what day it is. Don't worry, that's just the beginning of the journey.
Substeps:
Side Effects:
- Increased risk of garnishment
- Reduced ability to afford avocado toast
- Unstable relationships and a general sense of desperation
Causes:
- Procrastination
- Excessive use of 'I'll get to it tomorrow'
- Failure to budget (or budget at all)