I was making $85K a year but spending like I made $200K. Designer clothes, bottle service every weekend, a leased Mercedes. When I finally sat down and added it all up I owed $32,000 across four credit cards. My minimum payments alone were $1,100/month. So I did something drastic: I pretended I still made $11/hour. I calculated what my budget would look like at minimum wage and lived on that. Rice and beans. Bus pass instead of the Benz (let the lease expire). Thrift stores. Every extra dollar went to the highest-interest card first. It took 26 months but I cleared every single dollar. The day I made that last payment I cried in my car for 20 minutes.
Making $85K but budgeting like $11/hour for 26 months