Money Talks, So Should You

Debt Destroyer: Post-grad credit card hell

Natalie H.
by Natalie H. , Dimespring 30

I have made a financial mistake or two in my life, but I try and move forward no matter what. I like to think I am doing a little better with matters concerning money, but the truth is this has not always been the case. I cringe a little to think of some of the stupid things I bought. I remember buying clothes and silly things like that on credit after college. It was not long before I had amassed more than $5,000 in credit card debt.

I began to feel very embarrassed and angry over the pile of debt I had accumulated. It was hard to feel happy with life when I knew I had such a burden over my own head. For a long time I tried to ignore it, but debt never lets you forget for long. I avoided getting the mail because I wasn’t too fond of seeing the statements and the balances. It was almost a ritual within itself to try and avoid the truth as much as possible.

Read: Confessions of an emotional shopper

Finally, it became too much and I had to admit that I had made a mistake and that something needed to be done.

I made a plan for my debt and calculated how long my boyfriend and I would have to save with our current income. We both had to make some big cutbacks. There were definitely some tears shed, but we were able to knock that debt out in about seven months. This was about three months earlier than I had originally planned.

That feeling of not having any credit card debt is a magical feeling. My boyfriend and I certainly felt like the world was lifted off our shoulders in an instant. I can’t even begin to say how much better things have gotten since we made that last payment. Now we look more forward to the future and are actually able to save.

READ: How can I get my debt under control?

I can’t stress enough how important it is to think before you put things on plastic. We were able to get out of credit card hell without too much damage, but others are not so fortunate.

Having a little consideration and rationale before purchasing can literally save you hundreds if not thousands in the long run. Think before you spend and you will live a much less stressful life indeed.

 

Natalie lives in the Southeast with her boyfriend, dog and her collection of vintage art posters. When she is not kicking debt in the face, she enjoys writing, dancing, jogging and reading about personal finance. Natalie is a member of the Dimespring 30, a community of bloggers sharing their thoughts, experiences and perspectives on personal finance.