About

December 8th, 2012

Hi Everyone! Thanks for stopping by Girl Meets Debt. I’m just your typical 29 year old girlie Girl, living in the suburbs, working downtown, playing outdoors. I also use to love shopping which is why I am writing this blog; to hopefully warn others not to make the same financial mistakes I foolishly did all through my 20s. Writing this blog will also keep me accountable and inspired to make smarter financial decisions as I enter my 30s. Before I write my first post, let me give you a short and sweet history of my financial past…

I grew up in family of 6, where my parents worked very hard, but we were not financially well-off by any means. My family may not have gone on exotic vacations or had the latest fancy technology at home but I still felt like my childhood was very “rich” with wonderful memories. I’m not sure where I acquired my irresponsible spending habits since my parents were the definition of “frugal” as they were raising us. My parents pushed all their 4 children to pursue post-secondary education because they wanted us to have a “good paying job” when we graduated. Unfortunately, the only way for me to go to University was to take out student loans. Fast forward 6 years later and 2 Bachelor Degrees, I was over $45,000+ in student loan debt as I was entering the “real world”. I went to school to become a Teacher and this is the part in my story that I want to say that I am now teaching full-time and making a good salary but real life doesn’t always play out that way…

Along with my student loans, I also have about $13,000+ in credit card debt. It’s shameful to admit, but I was a shopaholic. I considered shopping a “hobby” and if I saw something I liked, I had to have it instantly. Working downtown, surrounded by beautifully dressed people also did not help. To be perfectly fair to myself, the $13,000 in credit card debt wasn’t all mindless consumer spending; I also had braces as an adult because my parents couldn’t afford them when I was a child. People say a nice smile is priceless, but apparently it does have a price tag of approximately $10,000 in my case (YIKES!). However, the confidence straight teeth have given me is almost priceless. ;)

Join me on this intimidating journey to a debt-free life and avoiding those troublesome shopping malls!