In an ideal world, a credit score would tell you nothing about a person except, well, their history of handling credit. Increasingly though companies and other entities are trying to use credit scores as proxies for indicators about a person’s general success at life.
Because of the American Dream, we tend to think of people who get ahead as hard working and morally sound. Likewise, the American Dream implies that people who do not make it to the middle-class did not work hard enough.
“Can we talk about insurance again?” Ben asked while the toddler napped and I tried to soothe my frazzled nerves with newsprint. From the depths of the Real Estate section, I made the universally understood groaning noise of despair.
Talking to the Person is almost always better than Talking about the Person, especially when the Person’s behavior is the problem.
Generally speaking, roommates expect to keep their money separate, since they know the arrangement is temporary. Romance, though, works like peanut butter, slathering everything — especially money — in a sticky layer of complexity that is hard to remove.