It’s been on your mind all weekend. You know it’s due today and you’re going to do it as soon as you get home but something comes up and you completely forget. The next day you wake up to an alert on your phone that you were assessed a late fee on your credit card.
When my son was young, I was always looking for fun activities I could do that he would enjoy but didn’t break the bank. Especially when I was paying off my consumer debt, my son knew I was focused on paying off my debt but I didn’t want to associate paying off debt with “no fun activities” So I would build our “fun” into my budget because it was important to me to give him experiences.