When I first graduated college I honestly thought my income earning trajectory would start low and consistently rise by a substantially year after year.  Boy was I wrong, paying for things on credit cards, not paying them off on time, it was a deadly cycle.  I had so much debt that to make my minimum payments was a struggle.  Since then I have set a budget and pay my bills as soon as my paycheck comes in.  This will help you keep your budget in check by not shorting the amount of money you put towards your credit cards/student or car loans each month. ...  read more