Rather, a more accountable approach would be — I'm in debt because I didn't change my spending habits once I lost my income. (thecollegeinvestor.com)
And my third, I used grad school loan money to pay off the credit card without changing my spending habits and ended up with more CC debt than before. (iwillteachyoutoberich.com)
Don't just change your spending habit; you may even need to cut down your expenses on the items that are necessary. (myfinancekits.com)