She Strengthens

Breaking Free from Debt: A Journey of Self-Discovery

My four-year stint in New York City was marked by a perpetual cycle of debt. With a credit card balance oscillating between $1,000 and $2,000, I struggled to make ends meet despite working multiple jobs. The pressure to maintain a social life fueled my spending habits, and I’d rather charge a $50 dinner or bar tab than admit I couldn’t afford it.

The Weight of Shame

Growing up in a low-income household, I felt compelled to compensate for my past financial struggles by pretending I was financially secure. Surrounded by peers from more affluent backgrounds, I was ashamed of my financial reality. Instead of seeking therapy, I indulged in material possessions and lavish nights out.

A Turning Point

Tired of living paycheck to paycheck, I began applying for higher-paying jobs. I landed a position as a copywriter for a startup, which paid almost double my previous salary. With a sleek new office and generous perks, I finally started tackling my debt.

A New Chapter Abroad

When offered a chance to move to Berlin for my company’s European headquarters, I jumped at the opportunity. Despite still carrying debt, I was confident that the lower cost of living would help me pay off my bills faster. However, the relocation process proved more costly than anticipated, and my credit card balance doubled.

Cultural Adjustments

In Berlin, I encountered a cash-based economy, which forced me to reevaluate my spending habits. Without the crutch of credit cards, I began to prioritize my expenses and create a savings plan. As I settled into my new life, I started making progress on my debt and felt a weight lifting off my shoulders.

Uncertainty Strikes

Just as things were looking up, my company announced the closure of its European offices, leaving me jobless and facing an uncertain future. I was devastated, but the severance package I received allowed me to finally pay off my credit card debt in full.

A Fresh Start

With a newfound sense of financial responsibility, I continued living in Berlin, hunting for jobs, and rebuilding my life. After three months, I landed a job at a small European startup and secured a work visa. Although my salary is modest by New York standards, I’ve learned to appreciate the value of budgeting and responsible spending.

Lessons Learned

My journey has taught me that true freedom from debt requires more than just a steady income. It demands a willingness to confront our shame, adopt a culture of frugality, and prioritize our financial well-being. While I still have occasional lapses, I’m proud to say that I’ve come a long way in breaking free from the cycle of debt.