But what if in you're previous job, you were making just enough to make ends meet (after wise budgeting and all ) and still couldn't afford to put much into savings? Thats the reality for many good, honest, hard working people these days.
The problem - No One knows how to save
If you are budgeting wisely, you should be SAVING 25% of your money every month NO MATTER WHAT! That would protect you from any potential risk for a short time if you were to lose your job. I didn't do it, and I am not blaming anyone but myself for my poor credit score/history.
Not everyone can save I know, but a large portion of the population with bad credit only have themselves to blame.
my2cents