Staring down at the huge number in front of me – an eye-watering £27,000 – it felt unreal. How was it possible to owe so much?
How could I have let it get this bad? Then I thought about the deliveries of clothes I’d hidden behind the sofa, the £1,000 bed we’d bought on a payment plan, all the holidays we’d booked without a thought about how to pay for them… For a minute I felt completely overwhelmed.Then fight mode kicked in. “I’m going to face this head on,” I thought, determination flooding through me. “Whatever we have to do, however long it takes, we’ll pay off this debt – and never get into it again.” I was 18 when I walked into my local bank in Liverpool and left with my first credit card.
I hadn’t read the details and had no idea about the repayments. All I knew was that I could start shopping with “my” £500 – result!
I started my office administration job a few months later and my credit limit immediately jumped to £3,000. “It’s brilliant,” I said to my boyfriend Marseilles, now 39, who I’d been with for a year.
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