It all began after leaving university. No, wait – that wasn’t really true. There had been issues before then too. During college. But not to the same extent. Uni was where the rot really set in.
The thing Sally couldn’t seem to do at all was to budget. She never had been able to. Not that she hadn’t tried. She really had. Plan after plan had been made and failed. She had all the right intentions but somehow things never seemed to follow her plans. If she planned to put away some money one month, an extra bill would come in that had to be paid. If she had only just enough money to manage, a payment would be late and the bank charges that followed would mean she couldn’t afford all that she had to.
But the irresponsible spending – the real root cause of all of the trouble – began in earnest during her University days. It started with a generous overdraft – quickly maxed out. Then a credit card from the bank – again all spent up so quickly. The real killer though was a store card she got on a cold rainy night that allowed her to buy a new dress for the upcoming social that really tipped her over the edge.
It wasn’t that she didn’t understand the difference between right and wrong. It wasn’t even that she didn’t understand the consequences of not being able to pay off and deal with these debts. She just really struggled with making ends meet. And the more she struggled, the more kind and friendly people seemed willing to offer her a way out – an answer to her problems. Or so they seemed. In fact, they really weren’t the answers she wanted or needed at all.
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