The cycle of financial problems have followed me ALL of my adult life! I struggled to maintain a good credit score, pay bills on time, save money, and get out of debt.
I would receive a lump sum of money, pay off bills, but then fall back into the same financial rut months later. I would develop a great budget and then never follow it. I would begin the month with the cash envelope system, and then use gas money to cover the grocery bill because I overspent at the grocery store.