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I am a 25 year old male. I have no children and I am not married. My story is not that of someone that most people would be sympathetic to, but I would like to be as honest as possible.

When I was 18, I received my first credit card. Like most kids, I went out and used it once or twice to make sure it worked. This was my first mistake. I quickly maxed out this card with frivolous and irresponsible spending habits. I accept the blame for this.

After I maxed out my account, for a total of $2500, I was still doing okay. I bought some cool stuff with it and the payments were still under $100 per month. Life was good for me at that time. Then, I started to get offers for more accounts in the mail and through email. I applied for another one, convincing myself it would be for emergencies only.

When you’re 18 years old, unfortunately, taking out girls or having fun seems like a good justification for using a card, rather than keeping it for actual emergencies. I charged away like a fool and got near the limit on this card. Still, my total payments were only about $175 per month, which I could afford since I worked fulltime at a decent job.

Over the next three years, I proceeded to act like an idiot – taking out new accounts and racking up the bills. Again, this is my fault. It wasn’t until I met my fiancée, Jill that I realized I needed to make some changes. By this time, I had almost $30,000 in debt hanging over my head just in charge accounts.

I decided to sell just about everything I owned. I was hoping to make a dent in the bills I had mounting, which had gotten out of hand. I was falling behind and couldn’t make all the payments. Selling off all the stuff I bought seemed like a good start.

I had bought so many frivolous things like electronics that were now out of date, a four wheeler which had depreciated greatly in value, and nice designer clothing, which is now out of style. When I finished selling off all things I didn’t absolutely need, I only was able to raise about $6000. I did pay off two of my accounts with this, which helped.

Now that I’m 25 and want to settle down with Jill and maybe even have kids, I cannot possibly afford it. I am asking for some help with these bills, so I can get my head above water. I have not charged one thing since I sold off my assets and will not charge anything ever again.

I would humbly accept any help that someone is willing to offer me. I really want to live the American dream and have a family that I can provide for someday.

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