history: I maxed out my credit card last holiday season, i dont usually do that i maxed out all my cards last christmas season_comma_ i am so dissapointed by myself You're not alone I've got a bunch of debt to pay off
current: Its a part of life no matter how you tried to avoid it
next: For now I just sweep it under the rug and pretend like it doesn't exist. So after that point my life is pretty much perfect