At my very first "career" job, my salary was $28,000 a year. After years of working low paying jobs to pay my college expenses and subsist, I thought I had it made. I was happy and ready to take on the world.
For a few months I hadn't been able to pay the minimum balance on the card I had, and I was still at a steady pace of charging around $1,000 a month. When I saw the amount of debt I had on my card, I freaked.