3 Nov 2009
Regrets
As young as I am(26), I still find myself looking back at the last 4 years or so sence I’ve been on my own, and regret the bad choices I’ve made in my life.
I moved out when I had a minimum wage paying job. I was making only $900 a month and my rent was $600. I got my first credit card, had my cable, cell phone and internet set up. I thought I was doing great.
I was using my credit card but still makingg the payments. Then life dealt me a curveball. I was audited and had to pay the canadian government back $6000 in back taxes. The lowest payment plan they’d accept was $500 a month. Luckily I had a new job that Paid me enough to cover that. But with my new place that I had moved into the rent went up to $700 and after rent, bills, back taxes, food I fell behind on my payments. I got a second credit card( a very bad decision I realize now) and quickly maxed it out in a lame attempt to get ahead on my bills. Now I sit, with a ruined credit, a good $2500 in debt. My back taxes are taken care of, thank god. But my credit is still very bad. Did I ruin my credit for a measly $2500? I know that’s not a bad debt. I have friends that are in far worse debt that I am.
The only thing that makes me really happy anymore is my fiance, and daughter. I can’t help but feel an overwhelming guilt about my debt. I lay awake some nights and think as she sleeps next to me “she deserves better than me”“why would she pick me”. I have a better job now, and to be honest, after the wedding in december. I can finally pay off the rest of my debt and slowly start to rebuild your credit. But how do you do that? To be honest. I don’t know where to start.







