Confession of an ex-compulsive buyer

I haven’t told anyone about this. Not even my husband.

Long time ago (feels like it) before I met my husband, I was a compulsive buyer.

I was working as a Supervisor in a bowling center. I was making enough but still it wasn’t enough to buy me things I really wanted.

When the lure of credit cards came, I immediately applied. I was so ecstatic when I was approved! As a first time user of credit card, it felt exhilarating and liberating. I was able to buy things, mostly clothes and shoes which I couldn’t afford before. It felt like there was a free flow of money and I couldn’t stop using the credit card.

When the bill came, I thought I could just pay off the minimum amount required. And so I did. Soon the minimum amount became bigger and bigger and I couldn’t afford it anymore.
I tried to transfer the balance to another credit card so the interest goes down a little. I felt lucky when I got another credit card. I promised myself I would reform, that I would not use the other credit card.

But it was futile. I couldn’t resist the temptation to swipe the new card again. I knew that I was going down and down but I felt happy buying a lot of things. When the bills came I just ignored it wishing it would go away.

Soon the calls from the credit cards company came asking me to pay at least the minimum. It was a depressing time for me. I just couldn’t handle the calls and the bills anymore. The credit card companies told me that it is important to have a clean record. When the time comes that I have to apply a housing loan or a car loan it would be impossible for me to get approved. Banks don’t approve application with bad credit loans history like mine.

That’s when I decided to go abroad. I wasn’t keen on leaving the country but I had no choice. I wanted to change and be able to pay all my credit cards.

I wished I was an internet savvy then. If I was, I didn’t have to go abroad. I would have been able to get back on my feet with the help of bad credit loans offer.

But then again, I wouldn’t have met my husband if I didn’t go out of the country, would I?

PS. I paid all my credit cards.