It's really easy to fall into when you're month to month.
You just barely scraped by on the rent and essential bills. Now you have $36.29 to make it through the next 2 weeks.
But hey, you do have that credit card with a few thousand available. You need to get food for the house and $36 ain't gonna feed the kids. You'll be frugal. Maybe $200 or so. You'll pay it off next month.
But next month it's the same story. Minimum payment it is.