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Why am I here?

July 19th, 2008 at 02:51 pm

I suppose I should use my first blog post as an introduction.

Let's just get the basics out of the way. I'm 22 years old, I live in Atlanta and I'm a writer. My FT job that pays the bills is in public relations, and on the side I'm working on a novel and beginning a freelance career.

My salary is quite comfortable for a single girl living on her own (well, on her own plus a schnauzer), and I pay all of my bills on time. So why am I here? Well, I graduated college with zero debt ... and in one year accumulated $9,044.07 in credit card debt with nothing in savings.

Shouldn't it be the other way around? I'm so ashamed. And what's even more embarrassing is that I can't even really tell you what I was wasting plastic on. I pay all of my bills on time out of my checking account. And I look around at my life and think "Hey, I've got it pretty good" ... but really, no I don't. As long as I have credit card debt, I'm only fooling myself. And I'm sick of allowing poor choices dictate my life. I'm ready to take control.

In the interest of full disclosure, I've been mildly depressed for the past year. My mom has been very, very ill. In the interest of her privacy, I don't wish to disclose her illness, other than to say that she's doing much better now but probably will never fully recover. Life will always be a struggle. I'm really not mentioning this for compassion or even understanding, but rather just to let any readers know where I'm coming from in life. When my mom got sick, I became really ... terribly sad. My friends, one by one, became fed up with me, and eventually stopped coming 'round. I don't blame them - I really was a mess at the time. But that even made me more depressed. With help from the few people that stuck around and some medical professionals, a year later I'm finally stepping out of the cloud. It's a slow process, but I'm here. And I think conquering this debt will truly help me get even further along ... not just financially but personally. Emotionally.

So ... this led me here! I'm utilizing this blog to chronicle my journey. If anyone offers advice or if I make any friends ... or if I'm even able to help anyone by sharing my stories ... then this will be worth it. Thanks for having me!

16 Responses to “Why am I here?”

  1. Lady T Says:

    Welcome!! Don't be ashamed of your debt; be proud of yourself for catching it before it got way out of hand and being ready to change your spending habits for the better! You're in the right place; I wish I'd thought like you when I was 22 (25 years ago, yikes)!! Big Grin

  2. momcents Says:

    Welcome. I think that understanding what might have been motivating your behavior (accumulating debt) will help prevent it in the future. I hope that this is your beginning for "turning things around". Looking forward to reading as you blog about your journey.

  3. sounderella Says:

    Welcome fellow Georgian! I live about 30 minutes from you. I'm with Lady here...congrats on realizing it early and don't be too hard on yourself. You've already taken the first step. Now, just learn from your mistakes.

  4. NJDebbie Says:


  5. HouseHopeful Says:

    Glad you're here. It sounds like your going in the right direction now. You'll find a lot of inspiration on this site. Welcome!

  6. Blue Eyes Says:

    Welcome! I look forward to reading your blog.

  7. JanH Says:

    Welcome! Glad you have joined us. Emotional stress often contributes to debt. I've been there. I, too, am digging through the mountain of debt now that I am doing much better. I hope your mother is doing much better, and that you continue to let us know how you are doing!

  8. Broken Arrow Says:

    Welcome to the blogs.

    Thank you for opening yourself to us like that. Takes a lot of courage.

    Your post reminds yet again that much of personal finance isn't really numerical, but rather, emotional.

    Anyway, please take care and hope your mother gets better soon!

  9. A Nonny Mouse Says:

    Just one question: why do you list yourself as a writer on your side bar but then inform us that your actual full time job is in public relations?

  10. toyguy1963 Says:

    Welcome. I'm looking forward to reading more of your blogs. It sounds like you are doing pretty good overall and it wont take long to get rid of that debt.

  11. koppur Says:

    Welcome to the blogs. I think you'll find a lot of people here who can offer support and a kind ear. You have made the first step, which is to face the issue, so you are on the right track. I am also a writer. Smile Good luck and I look forward to reading your posts in the future.

    PS There is a handy delete link under each persons message for when anonymous people post rude questions...we've had some lurkers doing that lately.

  12. Nic Says:

    Welcome! You're in the right place to tackle debt AND make some very good on-line friends w/lots of sound,FREE advice.

  13. frugaltexan75 Says:

    Welcome! You sound like you know why you accrued your debt, which, like others have said, is the first step in tackling it.

    I hope your mom continues her recovery.

  14. fruitbowlk Says:

    Welcome and congrads for realizing your issues as early as you have. I didn't get my wake up call until I had my first child. I'm also upside down but turning it around. I will be reading your blog to see your progess. Keep your head up and be blessed.

  15. creditcardfree Says:

    Welcome! I'm sure you will make strides now you know where you want to go.

  16. greengirl Says:

    welcome! it's nice to see more and more younger people around my age here. when i started blogging here ther were only a few, now there are lots more. not that i don't LOVE to read lots of people's blogs, but I always find it interesting to read people's blogs who are closer to my own age and who are interested in personal finance too, as i don't know a lot of people in the 'real world' who are close to me and that are interested in the same things. Smile so welcome! i look forward to reading your blog!

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