Yes beezneez. Yes.

This actually happened to me while I was in college. There was a six-month period where I overdrew my bank account every month, probably between every paycheck. In fact that bank eventually closed my account and ate my ATM card while they were at it (I was able to cash paychecks at the ATM, yes a stupid system for the bank, but good for me too so I wouldn't lose my measly telemarketing paycheck of $200-250 to pay my overdrafts).

I had a very small credit line that was always charged up to the max...but the one thing I am proud of to this day is that I never missed a payment. Somehow I always managed to scrape together $15 a month to pay it, thank god.

There was a lot of personal stuff going on in my life and I was very afraid and alone. I was in love with someone who said he was in love with me but also someone else at the time so I was assuaging the hurt by sleeping with someone who did love me but who was very unhealthy for me. I was doing all sorts of drugs and drinking and skipping class more often than I was attending. I was very depressed and had anxiety.

I will agree with humanodon that when you think things can't get worse they very well might. I'm in a much better place now but even earlier this year, I had saved up a bit of a cushion and was moving. Felt very proud of the fact that I could afford moving, which is always more expensive than you expect, and still have a nice cushion.

Then I got sick.

Then I screwed up my car.

And then I got a kitten...maybe not a smart move financially on my part...but I did save a kitten from the wild.

So now I'm back at the bottom again, slowly starting to save my way up again. Life tends to pile on the blows all at once. My advice is buck up if you can and get help if you can't. Money is never going to be easy, I don't think. You always have to manage it.