As a very young, single mother of two small children, I could barely make ends meet. I worked two jobs (one full time and the other part time), lived on welfare and struggled with debt. This was a tremendously difficult time in my life and I literally did not have an extra dollar to grab a hamburger from McDonalds, thus the smallest of extra expense caused me to use my credit card and go further into debt. During these trying times, I learned out of necessity how to budget my money very carefully and not let my spending habits control me. Through diligent budgeting, I eventually turned my life around. It was not easy, and it was not over night, but by the time I was in my mid-twenties I had paid off all my debt except for the mobile home I was living in. I am now an older adult, going to college to further my skills and abilities. I have taught these financial management skills to my children and am teaching it to foster children I take in as well. It is awesome to be able to talk to them about where I came from, the financial struggles I faced, and compare it to where I am at today! I point out to them that our past does not have to dictate our future, but instead, we can choose to use it as a tool for growth and improvement. Doing so will help to make us better people, instead of victims of our circumstances.