Workshop Ten

Credit damage rarely happens overnight. There are early warning signs—missed statements, rising balances, relying on credit for basics—that show up before serious trouble hits.

Pay attention to patterns: using cards to cover everyday expenses, paying only minimums, or ignoring bills because they feel overwhelming. These are signals that your plan needs adjustment now, not later.

By building routines—monthly money check-ins, alerts from your bank or card issuer, and regular credit monitoring—you can spot problems early and correct course before they become new late payments, collections, or charge-offs.