Poor financial responsibility can result in
- Poor credit rating
- physical stress
- questionable job security
- lack or loss of food, housing, clothing, electricity, medical care
- low self esteem
-- depression
-- suicidal ideation
- filing for bankruptcy
Not good
I'm glad I've been given the opportunity it's to go to school and study because I understand in some countries, they are some who aren't blessed to go to school and learn. At times, it does get difficult making me not want to go to school but it's the only thing we all have to become successful in life in my opinion. Sometimes it gets tough with stress and pressure from parents and whatnot, but in the end, if you give it your all, you will be good.
Mentality /Outlook / viewpoint. Here are a few synonyms - they all fit into the space and does not change the original meaning of the sentence.