Hello My Name Is _____ And I Have Bad Credit

The shame keeps you up at night. You think about where the money went. Maybe one big thing: a trip to Mexico or the laptop you needed for school. Often, it's a bunch of little things. Late at night, you run through the list in your head: new shoes, that jacket for your interview, Reading Week 2016, flea meds for the cat. All those little things pile up around you and suddenly it's hard to breathe.

"Our beliefs about money are so ingrained that it's hard to talk about them without a lot of emotion coming up," Self-Help Guru Louise Hay once said. "It is much easier to teach a workshop on sexuality than it is to teach a workshop on money." By Hay's logic, is being a financial failure even worse than being a sexual one?