At first, I went along with it due to she being my wonderful mother who has purchased me 2 cars in my life (one at 16 and the other at 21) but then I got the thinking… my mom doesnt have a job or a source of income, how is she gonna pay these car bills?! my mom has horrible credit because of not paying her bills! my mom borrows money from me all the time and never pays me back!

Of course my mom was very mad when I decided I wouldnt put this new and unnecessary car in my name. everything she has ever done for me was thrown in my face… but I just couldnt swallow this huge risk (and honestly, what would end up happening is I would be the one to have to pay that car note because my mom always feels like i owe her)

I have been a fool too long with my money. I let an ex borrow $2000 to get his car repaired and of course, I didnt get that back. (What the hell was I thinking?! He had bad credit for a reason!)

My mom has borrowed $1500 from me and I didnt get that back.

At one point in time, I had 4 credit cards and $9,000 in credit card debt. I have reduced that to 1 credit card and $2,500 in 2 years.

So Im getting better with money and learning how to say "no" when people ask for it. No co-signing for me. No more people borrowing money from me.