Just typing that subject line made my heart palpitate! Our story begins 17 years ago when my husband and I got together.
Although hubby had a secure job (but only made $25,000/yr), I didn't. I also had bad credit which had resulted from a divorce. We began living on credit cards and using them at Christmas (I had a 10-yr-old son). Used them for a modest wedding, another Christmas, etc... always justifying it with "oh, we'll pay them off one day."
But one day never came. I did, however, manage to restore my credit along the way because we were never late.