A little history... 2 years ago I racked up about $8,000 in credit card debt from buying makeup, skincare, clothes, and a bunch of beauty/clothing subscription services. My fiance found out and it about ended our relationship. With his help, I got out of debt, but the temptation to spend and acquire remained. Beginning this year, I began buying makeup again from CVS and Target. I thought I could get into less harm at the drugstore (ha!) and that as long as I wasn't charging to a credit card, I'd be fine. Well, around mid-Summer, I decided I could handle some bigger purchases from Ulta/Sephora and that I deserved to have a little fun and enjoyment. Long story slightly less long, I ended up getting 2 new credit cards and now have $4,000 in debt. My fiance found out just recently and things are not good. Here's what I've been doing to try and get myself out of this mess: 1 - unsubscribed from ALL subscriptions. 2 - unsubscribed from email notification for any beauty/clothing offers and stores and removed shopping apps from my phone. 3 - returned every recent purchase I could to Ulta/Sephora (about $500 worth). 4 - sorted all my makeup to separate items that are in new/good condition that I can sell. 5 - packed away 90% of my other makeup so I only have a small amount to use every day. 6 - painstakingly typed out every credit card transaction from this year and categorized so I could see how much I spent and where. 7 - watched several Dave Ramsey videos (he is so straightforward and mean, but I need it). 8 - created a budget, set goals, and set limits (absolutely no makeup/beauty/clothing purchases allowed for awhile). 9 - applied for and was hired for a second job which I start next week and will likely double my income. 10 - meeting with a therapist and group every week.
All of this I have done within the past 2 days. I cannot lose my relationship over the urge to buy and acquire "stuff". And I hate that I've gotten myself into this mess again. The getting out of debt part will be easy compared to trying to rebuild trust with my fiance. He doesn't know what to do. On one hand, he feels he cannot trust me to take care of this (I don't blame him) and wonders if he should take total control of my money but on the other hand, he doesn't want our relationship to be like a parent and child. So, for now, we're basically not talking and I'm just trying to do everything I can to fix this. I would appreciate any advice or feedback. Thank you.
Submitted November 30, 2017 at 08:58AM by aluxuryvehicle http://ift.tt/2i1NjnL
