- 5 years ago
- Wedding: September 2013
I am 28 years old and up until about 6 months ago, I never had more than $1000 in credit card debt.
I know this is exceedingly rare, and I was always exceedingly careful/SUPER strict with myself and my budget.
But this past spring, my husband and I bought our first house and we all but emptied our savings for the down payment.
And when it came time for furniture and paying for the rest of the wedding decor, invitations, etc, I thought it was fine to open a new card with a higher limit and just use it for a few months.
So I did. And I used a big chunk of the monetary gifts from the wedding to pay some of it off.
But now with Christmas coming (and us recently returning from our honeymoon), I took a peek at my statement and realized I am now $4,000 in credit card debt.
I feel like total shit.
I promised myself this was something I’d never, ever do.
To me, credit cards were always for emergencies, car repairs.
But ….. UGH!!! This is so frustrating. Because even with all the charges, we still had a budget wedding and a budget honeymoon. We left out a lot of things that we initially wanted (like a limo. We nixed it because we didn’t want an extra $800 on the charge).
Now, I can make the monthly payments, that’s not really an issue, and I have 0% interest for another 6 months but ….. I am just really disappointed in myself.
I know that $4k is NOTHING to some people (I had a friend who racked up $10K in shopping in, like, 2 years), but this is NOT me.
I just …. I don’t know. I know I need to just buckle down and cut up the card (or have my husband hide it or something).
But I can’t undo what’s been done.
And it just makes me feel really irresponsible and greedy and selfish and immature and awful.
Has anyone else gotten into trouble like this? What did you do?
Please don’t preach or judge. I used to be one of those people who scoffed at credit card debt. But ….. now I’m an idiot.