Yeah I worry about that in my case.
Im about to have to pay the fiddler for my moronic lack of financial self discipline. defaulting wont be an option, Im going to have to cut some corners.
I'm in the same boat...fighting hard to keep our heads above water due to credit card debt run up in my stupid 20s. It's hard, and slow, and agonizing, and doesn't leave us any reserves if things go wrong. Especially with a kid on the way. As I often say to myself, "I make too much money to be this broke!"
But, I got myself into the hole, and with God's help and some hard work, my wife and I will get ourselves out.
}:-)4
There are plenty of us that have "been there and done that". For DH and I it started in college (Cool! A credit card!) Luckily, my husband had me to put us on a plan; but then babies and unexpected hospital bills came along. Sometimes life happens before you can plan for it. For us, the credit cards were the cushion that we needed to get us throught difficult cash-strapped times.