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For those that disapprove...
What if your 12 ccs minimum balances is $840 a month and you make $1200 and have rent to pay? electric? gas?
It is a sucky place to be....I know others that have creditted themselves into a place that is impossible to dig out of.
I agree that it's a sucky place to be and do give her credit for asking this question openly. That said, unless this excessive debt was caused by a job loss or a medical debt, there is blame to be placed on the individuals who managed to rack up so much debt.
Many of us, especially on a board like this, live below our means. Save up $ (like Jill talked about) before buying something, or use our credit cards wisely (earning points but paying them off monthly.) I would love to have a nice fancy car, eat at high priced restaurants, and shop without looking at the price tag, but I don't. I know how far my $ will go and it won't go that far. I have the same issue with those folks who bought way more house than they could afford.
Personal responsibility seems to be a thing of the past and it's a major reason this country is in the mess it's in.
:ranting:
Ok, how about we use the above as a general statement since I just saw your reply explaining your expenses. : )