My siblings and I won the parent lottery. For sure my parents ain't perfect, heck, we're not perfect kids either. We fight, had disagreements, we frustrate each other yet I wouldn't trade my family for anyone in the world.
Thanks to my parents, we are not dirt poor. But raising 6 children with no fixed income was not an easy challenge for them. Growing up, I was used to submitting promissory notes to the Registrar office to allow me to take examinations. I thought it was normal and part of the process.
When I became an adult, the money issues started to appear. I had my first child, became a working mom, rented our own place and did what I think all young adults had to go through. 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 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...