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I'm reaping what I've sown in my youthful indiscretion. My credit sucks badly. The job I've got is enough to cover rent & bills, but I have a lot of credit card debt to pay off, a few items that have gone to collection companies, and a sizeable levy from the taxman.
I dream of someday owning my own house in this town, but between my credit & the jacked up prices around here, I'm afraid it's going to remain a dream for a couple more years.
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Incompetence
When you earnestly believe you can compensate for a lack of skill by doubling your efforts, there's no end to what you can't do.
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