Read enough financial advice and you can start to get the sense that any mistake or flaw in your financial life is catastrophic. In fact the opposite is true. Not only is it okay to be imperfect, but you can turn even the worst disaster around.

As personal finance site The Frugal Vagabond explains, financial imperfection is a fact of life. Whether you rack up more credit card debt than you intended, missed a few bill payments, or just aren’t saving enough, everyone falls on hard times at some point.