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Would you be able to get back to financial basics if you had a guarantee that your budget would strengthen over time? Would you be able to omit auto title loans, payday loans and credit card dependence when it comes to emergency costs? Wouldn't it be nice if there was some sort of guarantee that as long as you try your best, all will be well? Well, I am here to say that when it comes to your budget, there are no guarantees.

If you had been managing income poorly in the past, it isn't an easy process to overcome old debt problems, but not impossible. There will be two difficult hurdles to cross, one in your control and one not. Let's look at the hurdle which is not controlled by you - your credit history. The past is the past, much of which cannot be repaired, but you can use the past to learn how to handle future finances better.