I know this issue is one which is very sensitive for most people but I was encouraged by reading a fellow bloggers attitude towards finances and marriage. So how did I find me in this hole called debt? and How am I slowly but surely coming out of it? Well sit back, relax and have your pen and paper at the ready.
1. How did I find me in debt?
Got caught in the enticing world of credit cards and the beauty of spending and not paying anything back for up to 3-6 months and free interest in that period. Obviously I was not smart because the last statement should really have had alarms ringing but it didn't I mean they say "don't pay anything in 3-6 months" and during that period it's "interest-free", come on Mrs this should have screamed bloody murder but it didn't. I was so caught up in the after glow of not paying anything there and then and returning sometime in the future.
To make matters I was spending more than I was earning and every time I paid it off I still went back and used it up all over again, this is a vicious cycle which can drown you before your very own eyes.
When I left home and moved to university I literally lived on my credit cards and all the money I earned from my two jobs went to rent, bills and food sometimes the bills I couldn't even manage I was lucky my boo helped me out a lot. That didn't change the situation I had put myself in because I came to a stage were you pay off card so you don't get charged the hefty charges then use the money now on card to pay for everything from rent to food.