In this unit, we have focused mainly on short-term financing and the use of working capital. Use what you have learned so far, and apply it to your own credit decisions. Describe any part of your spending habits that might indicate an overuse of credit. If you do not have any areas that indicate overuse of credit, how do you use budgeting to accomplish this? How might a daily spending journal provide insight and structure to the way you spend money, especially credit?