The new year is a fantastic opportunity to spend time (preferably a couple of hours) working on your life rather than just being caught up, running around in circles, in your life. Time is so precious that we are flat out getting the basics done, let alone thinking about our lives and how we are functioning.
Habits are those activities we do unconsciously because we've done them so many times before. We're not even fully aware when we're doing them, and then the results tend to pile up unseen. Of course, credit is one of those things that can suffer from bad habits. So let's take a look at five bad habits that can wreck your credit.