2002: I met my husband this year and we started dating in March. I remember that on our first official date I was so excited because I had literally just paid off all my credit cards. I had been embarrassed by my whopping $800 in debt. Lol.
When I moved in with him there were things we "needed", of course. A bachelor living in a 425 sq. foot place with a dog and two cats needed far less than a couple. (We lived there for almost a year together. Yikes! That's true love.) I would guess $500.
Then my computer needed to be replaced. Enter approximately $1800 worth of debt.
Then we got married. Instead of spending lots on a wedding we went to the courthouse (I wore a pretty dress I already have; black if you can believe it!) and then on a cruise. I had already decided to go on the cruise for my birthday and had invited my boyfriend. We decided to get married the day before so that we'd have a honeymoon. $1700 plus about $400 in misc. wedding stuff. (Hey--that's a lot better than a lot of people; some spend tens of thousands on the wedding alone!)
We got into massage school this year as well. I am very proud to say that we did not get into debt. We both paid $300 a month faithfully.
2003: We moved to a beautiful house (rented) that did not have a washer and dryer. I had to purchase them. $800.
We graduated from massage school. Licenses were applied for which required a state fee and a national exam fee. We also purchased some equipment. Probably $700.
2004: I decided I needed a hand held organizer instead of trying to juggle a bunch of purse-size calendars for appointments. $400.
Took several CEU classes to the tune of $700.
I stopped doing computer consulting and worked full time as a therapist, which was great, but we did incur some expenses for marketing and such. $1200?
First year's CPA fee $500.
Splurged on random stuff at orientaltradingcompany.com for some reason. $160.
Husband, later in the year, decided he also had to have a PDA. (I use mine every day; his gathers dust. *sighs*) $550
2005: Went back to school! This was all student loan debt (not counted in my credit card total but will eventually be dealt with.)
Car repairs: $600 or more.
My husband got laid off at one point and we incurred almost $2500 here just to get by. (Still living in beautiful house with $1200 rent--what were we thinking?--at $12/hour pay. Yikes.)
My father died in late 2005 and that created some stress mentally. I only took four days off work, but I know we spent a little bit as a direct effect of this. My guess is $400.
More car repairs: $600 or more plus $500 on my husband's.
I expanded my business. I took out student loans for most of the expense of skin care training but easily $1600 got charged.
Went to trade show, had car repairs (see above) on way, had to rent car, plus cost of tickets and items we bought for business expansion. $1300? That's probably a little high.
Spent at least $2000 for new equipment for skin care.
We may have put this year's CPA fees on the credit card. I'm sure we did it two years. I'm not sure which two.
2007: I think I put a total of $300 on my credit cards in 2007. Whoo hooo! This was to renew our licenses.
I was very proud of myself because in late 2006 and early 2007 I got to the point where I could buy retail product to replenish my stock out of the sales I had made, sometimes to the tune of an extra $600 a month. This was a really cool thing, in my opinion. Since our business expansion was complete there wasn't a whole lot I had to charge. In fact, if my husband hadn't gotten laid off again and I wasn't pregnant, I think we could have paid the $300 ourselves.
2008: Zero, baby, zero!
And the grand total... $21,110.
I am amazed. I really thought I'd have to scratch my head and go, "what did we spend all this money on?" And while I'm sure a lot of my above figures are not accurate I am happy that I wasn't really far off the mark. I'm a little over it, in fact.
Can you remember each purchase that got you into debt?