[RamblinClementine]

Ok, so....

When my boo and I moved in together seven years ago, I began to accumulate credit card debt. Then I entered grad school and accumulated a lot of school debt too. Now, all told, I'm about $50,000 in debt. I need to quit overspending, but I'm very used to it. My friends all have more money than I do, I wonder if that has something to do with it.

I know that money is not an indicator of whether I deserve to be loved, but I feel ashamed of all the debt I have.

[CoryAR]

Try selling things on eBay you no longer need/want.

Pick up a second job (assuming you have a job) if you can handle it.

Try to find a hobby that can make you money, like graphic design.

[possum220]

Have you ever considered setting yourself a budget?

https://bettermoneyhabits.bankofamer...-to-save-money
Might be hard to reign in this habit but you can do it.

[RamblinClementine]

Originally Posted by possum220

Have you ever considered setting yourself a budget?

https://bettermoneyhabits.bankofamer...-to-save-money
Might be hard to reign in this habit but you can do it.

I've been trying to have a budget for years! But, I suppose this is immature: I don't feel accountable to it because "no one sees it". It's like a dirty secret I hide kind of and also, other people are like, "debt is normal". I think it's kind of self-pity that has gotten me into this debt. Thank you for the tips. I am strong willed in some ways but not about money. At least for now.

I have two jobs already- two part-time jobs, and I'm in grad school, I don't think I would want to work any more than I do. It's mostly that I need to stop overspending. I understand the ideas behind budgeting but I'm not good at self-control even if I'm self-aware that I am in debt.

[Buffy01]

Originally Posted by RamblinClementine

Ok, so....

When my boo and I moved in together seven years ago, I began to accumulate credit card debt. Then I entered grad school and accumulated a lot of school debt too. Now, all told, I'm about $50,000 in debt. I need to quit overspending, but I'm very used to it. My friends all have more money than I do, I wonder if that has something to do with it.

I know that money is not an indicator of whether I deserve to be loved, but I feel ashamed of all the debt I have.

I completely understand how you feel. I am in debt also but it was not intention of getting into debt.

[Buffy01]

Originally Posted by possum220

Have you ever considered setting yourself a budget?

https://bettermoneyhabits.bankofamer...-to-save-money
Might be hard to reign in this habit but you can do it.

That is great advice. I need to start doing that myself

[raf_edd]

That's a lot of money, I'm in debt too but in control, my paid work is enough since I made a deal with my bank to pay in installment, ****ing credit cards. I hope you can find a way to get out of this situation. Hug