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Oh dear. All too familiar I'm afraid.
I had to be helped by a charity who specialise in sorting out debts - they provided free advice, negotiated with all my creditors and provided a bill paying account which only they could access. I had a disposable income of $60 a week for 2 years (despite working 2 jobs) to get myself out of the mire.
In April this year I was finally debt free.
Guess what?
I spend all my salary in the first week I receive it & by the last week of the month I am borrowing from friends. I have no credit rating so I can't get into too much trouble, but I know if I did, I would. It was such a hard fight to get solvent that you would think I had learned my lesson - apparently not.
Ditto weight loss/ fitness & removing myself from emotionally damaging situations.
Perhaps its not self defeating, perhaps its drama addiction? (sorry, that's the most positive spin I can come up with)
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