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[quote=Anonymous]I know I'm going to get a lot of negative comments for this, but if they could be productively negative, or actually offer advice, I'd really appreciate it.

I have about 7,500 in credit card debt. From nothing really legitimate. I started amassing it last year when I thought I'd get a tax return and didnt (I usually had before). I started a new professional job and did legitimately need work clothes. But I feel like I just spend money and say I will pay it back later. I was at 10 k and only paid some down because I got a grant, so I put it towards that. I never really learned about money or being responsible , and my parents didnt discuss with me much.

I make about $56 k now, although lose $300 a month for grad school - over in may, although then I'll have to start paying back my under grad student loans.

I'm not so much looking for specific advice about budget.. Although maye I should be...

But more, how do I break my pattern? How do I become responsible? And change my attitude. I do not know what to do. I think I should maybe stop using the cards entirely. I want to change.

Please let me know if you have any advice [/quote]

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