Before anyone tells me this is my own silly fault, I'm already very aware but just can't mention this to anyone in my real life without being lectured.
I was looking at cars yesterday for fun (my current boyfriend came with me and we really loved a modestly priced small car). I nearly bought it, but decided to take the numbers away and crunch them etc before committing. This is when I realised the true extent of the debt I am in currently. At 25 years old, I am in nearly 10k worth of debt and half of it is due to poor money making decisions from when I was 18 and had a credit card, but the other half of it is from having to support my ex-boyfriend financially as well whilst I was on no more than £18k a year salary.
I know I wasn't obliged to support him financially but for three years he didn't have a job (he refused to get one as he wanted to be a videographer and thought part time jobs like working in a Tesco to have some income were 'beneath him) and I wasn't doing things like paying his bills or doing grocery shopping etc, but instead just wanting to do what normal couples do like go for meals out and to the cinema etc. I feel SO stupid having gotten myself into debt for such stupid things and for someone who I now have zero contact with. I'm not annoyed at anyone but myself.
On the plus side, I have now reworked my existing budgeting spreadsheet to hopefully have at least paid my credit cards off by the end of the financial year whilst still allowing myself a decent amount of 'play' money, and still saving for a house with my current partner.
I was looking at cars yesterday for fun (my current boyfriend came with me and we really loved a modestly priced small car). I nearly bought it, but decided to take the numbers away and crunch them etc before committing. This is when I realised the true extent of the debt I am in currently. At 25 years old, I am in nearly 10k worth of debt and half of it is due to poor money making decisions from when I was 18 and had a credit card, but the other half of it is from having to support my ex-boyfriend financially as well whilst I was on no more than £18k a year salary.
I know I wasn't obliged to support him financially but for three years he didn't have a job (he refused to get one as he wanted to be a videographer and thought part time jobs like working in a Tesco to have some income were 'beneath him) and I wasn't doing things like paying his bills or doing grocery shopping etc, but instead just wanting to do what normal couples do like go for meals out and to the cinema etc. I feel SO stupid having gotten myself into debt for such stupid things and for someone who I now have zero contact with. I'm not annoyed at anyone but myself.
On the plus side, I have now reworked my existing budgeting spreadsheet to hopefully have at least paid my credit cards off by the end of the financial year whilst still allowing myself a decent amount of 'play' money, and still saving for a house with my current partner.