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My husband knew I was in debt when he proposed, he just didn’t know how bad it really was.  I tried hard to brush off my credit card spending habits and appropriately blame them on not making enough money to begin with.  Being a full-time student with two part-time jobs, making nickels and dimes was hard enough without having to defend a $100 clothing purchase at the local mall.

Spending inevitably got out of control when I began to plan our wedding.  My parents have been in the middle of a cross-continental war since they divorced 10 years ago, so I would have shot myself in the foot before I would have gone begging for money.  But, that’s a story for another day.  When it came to the wedding, I knew the one thing I would regret the most would be skimping on a photographer.  Neither of my parents, or stepmom for that matter, really thought that photography was worth spending money on.  One day, the perfect photographer emailed me!  I took some time to check out his online portfolio and knew it was meant to be.  I just didn’t realize how much it would cost.  Along with the couture dress that I bought on an unaccompanied, nervous whim, photography was the most expensive thing my husband and I are still paying for, aside from the honeymoon.

I don’t know how it gets so out of control, and I don’t know why I keep making excuses, but credit card debt can be the source of all evil for a newlywed couple.  You hear it everywhere that money is one of the biggest causes for married couples to fight.  Well, it’s true.  I would have never fought with myself over my massive amount of debt.  I could justify even the most expensive soap!  Plus, he could have never really done anything about my debt before we were married, because our finances and credit scores weren’t tied together.  Whether you want it or not, these issues surface with a big fat whack-in-the-face after the big day!  Take this commercial, for example.  This is us!  Not literally, of course, but every time that commercial airs on TV, I try to shrink into the sofa.

One day, somehow, something possessed me to tell him how much debt I actually had… for real.  The days of underestimation and avoidance were gone.  No turning back.  I think it was the first time my husband was actually speechless (he likes to talk a lot).  In all seriousness, though, it was a huge weight off my shoulders, not to mention a very emotional breakthrough.  But, the elephant in the room had inadvertently stepped on him.  It was not a quick and painless recovery.  What seemed like days later, we had a very structured, aggressive and efficient debt-payoff plan that would put us debt-free within a year.  And you know what?  I am actually very excited to get the debt paid off and live plastic free!

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