My husband and I both came from households consumed by debt. I know my parents had 2 mortgages. My mom eventually got to the point of not having enough income to pay the bills. My husband and I both acquired our first credit cards before we got out of high school and we both entered into our marriage with several charge cards mostly maxed out.
We spent the first 5 years of our marriage not ever fully comprehending that we had to actually pay back the money we were spending. I know it sounds stupid. It was stupid. Honestly we came from debt, we didn't understand debt, and apparently we were completely oblivious to the value of money. That being said, about 3 years ago we realized we were in trouble. Somehow it hit us (or at least me) that the money we charged was actual money that we really owed to someone and we were going to have to pay it back eventually.
We spent 5 years buying stuff that probably should have taken 20 years to pay for. I was VERY successful at shuffling balances to %0 cards until the economy all but crashed. There's basically no such thing as %0 now and we're throwing money away on interest rates that we can't escape from. We have INCREDIBLE credit scores but we can't afford to have kids. We've been married for 8 years and it would be so ridiculously irresponsible for us to bring a child into this financial mess.
The matter of fact is: we've wised up and we're ready to do something about the monster we created.
This is my story.