This all started about a year and a half ago. I had only one credit card but had gone over my limit. I had moved in with friends, and did not understand the concept of a “budget.”

Then a large sum of money was stolen from my purse within the few minutes that I wasn’t watching it.

Had to move back in with my folks to get things under control again. I work at a convenience store, don’t really make much. Picked up more hours, cut back my spending, sold quite a few things on ebay for some extra cash. I have since ditched my car for a moped, which I am making payments on.

I finally have my own apartment and no roommates. (I was living with 4 guys and 1 girl in a 2 bdrm) I keep my bills low.

Most importantly to me though, I still have no student loans. I have kept going to college (community college) and I pay for each semesters tuition and books in full. I get no financial aid. So I don’t feel too bad about having to make payments on the moped.

I had gotten my credit card down to $0 and knew I should cut it up, but couldn’t bring myself to do it. You know, “just in case.” So now my balance is up again. Not over my limit, but too much to pay off outright.

I’m giving myself 3 months to get it back down to $0 and cut it up this time.