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|Sun, 12-06-2009 - 10:40am|
Hi everyone. :) I'm E (27) and I live in Virginia. I am not sure if I've introduced myself here before, but I thought I should before I asked some questions! I lurk on the debt related boards quite a bit, and I've posted questions in the past about my BF's issues.
I have credit card debt from making stupid choices in my early 20's when I didn't know better. I also just recently started paying my student loans for my undergrad (graduated in Dec 08). I started paying that back early and above the minimum due so I'm very proud of that. I have been paying attention to my credit score over the last year or so and it is slowly improving. I just started working in November after 11 long hard months of unemployment post graduating college. I am very underemployed, but grateful to have a job at all. Right now I am very into learning about budgeting.
My biggest money struggle is the fact that I am supported by my parents. I am extremely lucky to have their support, but have a strong desire to stand on my own feet. During my teens/early 20's I didn't understand the value of work or money and abused my parents generosity. I've wanted to be financially independent for a long time now, but there have been many hurdles along the way. Finishing college (and commuting 3 hours a day while not working), not being able to find a job post college, health issues (while uninsured), etc. Despite the struggles I have made good progress since I started tackling this more seriously in March 09. I no longer use a credit card of my parents (I used to have unlimited access to one), and I finally take a smaller amount per month for living expenses. I have a lot of shame and guilt attached to being dependent on my parents and need to learn to be kinder to myself because paying off debt, improving credit, starting a career, and building savings are all things that require a great deal of time and patience.