In late 2000, the money issues started appearing. I had my first child, became a working mom, rented our own place and did what I think all young adults had to. We bought a lot of things for my growing family while continuously supporting our parents.
From the outside it seems everything was working out well. My husband and I have decent jobs, we have a small but happy home, I have a very cute baby.
But I found myself charging everything to credit cards. Our salaries were not enough to pay for all our expenses. When I maxed out my first card, I got another one. And when I maxed the second card, I applied for my 3rd, 4th and 5th credit card.
Soon, it was getting difficult to survive monthly, specially the last days of the month. We always end up borrowing more. And that has been our cycle for a few years.
It was tiring, emotionally tiring. That was 15 years ago…