Blogging Everyday Until My Debt is Paid Off
I can’t believe I have to do this again.
In 2017, my husband and I paid off all of our consumer debt. Every penny of it. It gave us relief in a way that I can’t even describe. For a few years.
Then Kevin’s parents got sick enough with Alzheimer’s that he had to quit working to care for them.
And COVID happened.
And we had to use credit cards to keep our business afloat.
And we opened a shop last summer and used credit cards for that, too.
And. And. And. We built back up credit card debt.
Then we made a colossal mistake.
We took out a loan to consolidate that debt — to pay off the credit cards again. It made sense at the time. The loan would be paid of in five years, instead of the decades it would take to pay off the credit cards with their minimum payments.
The problem is that we did that without figuring out our financial situation enough to live without credit cards.
So, after a while, we had that big loan to pay off and credit card debt.
None of this is easy to admit to. I hate it. Just typing it all up makes me feel like a huge failure at life. It’s embarrassing.
