In June 2011, my husband (then boyfriend) and I were living in the Midwest. I was miserable. I hated the cold, drab winters and the unbearable humid summers. And there was never enough sunshine to go around! But the worst was the people. Don’t get me wrong, Midwesterners are very nice. But where I lived folks my age were incredibly bored. Hubs and I used to go to ‘downtown’ and laugh at the crowd: a bunch of old folks dragging their grandchildren around. The name of the game for 20-something professionals was either sitting on the couch watching TV or getting knocked up.
I was a creative soul though! I needed sunshine and culture and to interact with people who were not just fulfilling some destiny to procreate! The hubs felt the same and after a quick visit to LA we decided to pack all of our things, the two cats and love to the big city without jobs or a place to stay.
You guys, hindsight is a b*tch but sometimes risk is necessary. Part of our massive debt is that move. We got out to LA, bummed off of a couple of friends for three weeks until we found full-time temp jobs. Jobs in hand, we took the first apartment we could find and promptly moved in. Our expenses included moving all of our things from the Midwest to LA, then driving across country and having my car break down as soon as we arrived, and finally living out of a suitcase for three weeks with two pets.
Once we picked an apartment (or should I say, they picked us on a limb of faith that our temp jobs would become permanent), we had to cough up a $2500 security deposit. Ouch.
We were swiping our credit cards everywhere we turned. But we were starting to increase our income–I got hired on permanently with a big salary increase. The hubs wasn’t so lucky with his job. They were mistreating him and paying him peanuts, so he decided to resign under the impression that the temp agency he went through would give him another assignment (that’s what they told him, not what he assumed).
The agency didn’t come through and suddenly we were up shit creek. Our bills started piling up fast despite us slashing everything extra and we were starting to have a hard time paying rent. Our families helped us out for a few months, but there’s always drama involved with family and money. So, when that well dried up we were desperate.
Our apartment lease hit month to month, so I began apartment searching like crazy. We finally found an apartment in the same city that was $300 cheaper! With the last bit of monetary help from family, we moved in and got busy finding Hubs a job. He finally found one in February 2013 after a year of being unemployed! With our income back to where it should be, we’re now focusing on paying off those blasted cards once and for all.
And that’s it! All of that backstory brings us up to present day. What about you? What’s your ‘backstory’ with debt?