I know, how can nickles and dimes amount to a lot of debt? I don't know how, I just know it does. Hubby and I have no really expensive hobbies or vices, no smoking, no drinking, we don't really collect anything. Geez, we don't even travel! We should have debt from amazing adventures, but sadly not.... We have almost $20,000 of credit card debt from "stuff". Granted, a bunch of it is for hubby's small business-related expenses, but much of is just the pissings of family togetherness.

Mexican restaurants, lattes, energy drinks, snacks for the school parties, gas, groceries, blah, blah. All things that we should have BUDGETED for but never did. When you swipe the 'ol plastic devil, you've sold your soul to him. Everytime we'd think, oh it's only a couple dollars, or, I deserve it- I worked really hard this week! It's so easy to rationalize things.

For a good period of time last year, our job situations were changing and in peril. Depression & anxiety were an every day occurrance. As immature as it was, we got a case of the "f*** its". When you don't know where the next paycheck is coming from, you start to think, who cares what I buy now, I'll never get out of this debt! We were the loudest guests at our own self-pity party.