Thank you for writing that. I felt like credit card taught me to be a little irresponsible with cash (even though I payed for everything from debit straight away - I thought this two-step payment would better my score and limit for the future, lol), so I blocked it, but from that angle it really makes sense to have one in case of emergencies.
Paying for three dentals in a row can be only topped by the constant dental pain itself. If you budget didn’t crumble under that weight, with your situation, you are a tugboat called Unsinkable (or even Unthinkable?). I’m not joking, I can’t imagine it now, even though I’m housed and have some people I can loan from. It’s just too much.
Why’s that much discipline and intellect is needed to stay alive while poor? Stereotypes paints poor people as lazy and stupid. Is there a special program I can apply to and stop caring at all? Doubt so ):