My bank account is in the negative.  I have a great paying job.  So great, that when I get my 1099 every year, I’m always amazed.  It never seems like I made that much money the previous year.  So how did I get here?  Poor management. In the past, when I got paid, I would literally spend one to two hours going over my budget and how I wanted to pay my bills.  Not because of lack.  I wanted to make sure that I was making the best choices with my money.  I was very responsible ya’ll.  I would pay my tithes, pay all my bills and then say you…