Credit works in mysterious, sometimes contradictory ways. If you have good financial habits and do the right thing with your money, it seems like your credit would be in good shape. It doesn't always work out that way, though. Despite your best intentions, smart financial moves aren't always the best credit moves.

Whether it's the font setting in your Word document or what you grab from the food court for lunch, defaults can be powerful. As journalist Lena Groeger points out, defaults set a standard for our actions, behaviour and decisions.

Maggie McCombs, 26, a content marketer and social media consultant in Lexington, Kentucky, grew up believing her family was struggling.

We can be especially judgmental when it comes to money. Your friend buys a house, you assume he can't afford it and should just keep renting -- like you do. Or your cousin spends $20,000 on a wedding, and you think that's crazy -- you only spent $7000 on yours. Instead of judging other people's habits, try learning the full story, which is more productive.