I used to be very good at budgeting but entered a spiral that contributed to building up almost $70k in debt. $50k in unnecessary student loans (I had a liveable stipend) and $20k in credit cards. I'm just starting to work on paying it down but I feel despondent over my past history and I don't think I will ever stop beating myself up over how much I spent. It is also going to take a long time and in the meantime I have no savings. Have you ever been in this situation and been able to move on and forgive yourself? Or found some way to come to peace with your past habits? I lie awake at night hating myself for what I've done to my finances and my life.
Submitted January 01, 2019 at 05:10PM by incoming_shitshow http://bit.ly/2F1Bdsb
