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Word Count: 699
As soon as I turned twenty-one I felt a sense of ripeness The world which surrounded me appeared unlimited I had marriage children a career and traveling to exotic places to look forward to Being young warps the senses though Being twenty-something gave me a false sense of reality which led me to be an irresponsible person eventually leading to bad credit reckless driving and self-indulgence First it all began when I moved out of the house to my own apartment There were things to be bought a bed to sleep on a table to eat at a couch to sit on and most importantly a television to watch An example of a false sense of reality would be for me to think that I could afford all these things Where would I get the money to purchase all these necessities It occurred to me that I could purchase everything on credit At that age the concept of credit felt like instant gratification Of course bills started to pile up Soon I realized I could not afford to pay them because I simply did not make enough money I had no other choice but to avoid creditors and pay them when I could Not paying bills on time or simply not paying them at all has adversely affected my credit After applying for credit several times I have been denied each time I know having bad credit will affect my chances of getting a home loan some day so that is why I have been working hard to pay bills on time Automated deductions from my checking account on the days bills are due has been helpful for me If I continue to show good faith perhaps someone will forgive me for being twenty-something and irresponsible Then I finally found a better-paying job to help pay the bills that were never ending But of course most better-paying jobs are in Downtown Los Angeles I lived
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