Hey, it’s Sophie here.
I’m glad you are still reading my story of spending addiction.
In my last post, I told you how I was over-spending and maxing out credit card after credit card. I thought it was all harmless, and that this is how every adult afforded their lifestyle.
When graduation came, instead of renting an apartment as I had initially planned, I used the money I had gotten from graduation gifts as the down payment on a house. I figured I could take out a mortgage and use a credit card to pay it every month if I didn’t have enough cash (at this point, there was no such thing as enough cash with the debt I was in). Obviously, I should have used some, if not all, of that money to pay off my credit card debt instead. But I kept thinking everything would somehow work out.
Then I traded in my old Toyota for a flashy new car. I received some credit for my old car, and put the rest of the balance on – you guessed it – a credit card. It would have been wiser to set up a payment plan with the car company, but when you are already thousands of dollars in debt, what’s a few more?
I got a little rush every time I spent money, and the more I spent, the better. If I was feeling down or lonely, I could just pull up one of the many shopping apps on my phone (I implore you to delete any shopping apps if you are in debt!), and just minutes and a few taps later I could have a new bag on its way to me! I loved shopping in person, but online shopping was almost double the thrill. It was like you got to buy it twice; once when you actually made the purchase online, and again when the item arrived!
My new house was already starting to look like a hoarder’s house. I didn’t realize until I moved how much stuff I actually had. I had tons of new clothes and accessories I didn’t even remember buying, most of it with the tags still attached. It was impossible to keep the house clean because there was just too much stuff everywhere.
I didn’t want to get rid of anything though, because my purchases made me happy. I loved lining up all my shoes, for example, and just looking at how shiny, and new they were. Being surrounded by stuff comforted me, and I still didn’t grasp the seriousness of my situation.
Read an article about how to avoid credit card debt.