At the end of 2014, I was in quite a bit of personal debt. I'd started trying to keep up with the Joneses on a non-profit salary. I wasn't saving money and was giving money away. I had no idea how much money I was really spending except I watched my bank account closely enough to know that I wasn't overdrafting.
I had a lot of credit cards. I would open an account in a second just to get the discount for applying or the reward that was promised. Not paying off the balance each month sure added a lot of fees. If I had a car repair or some unforeseen expense, I'd charge it.
For a co-worker and I, this was the first time that we'd made "this much" money. She pitched the idea of us making budgets and holding ourselves accountable. Sounded good but I was lazy about tracking my spending and was not up to speed on Smart phones or apps at that time... Still not too technologically savvy now.
I kept hearing about Dave Ramsey and this "Financial Peace University" class. My roommate encouraged me to take it because she took it and it really changed the way she started to relate to/with money.
Since she offered to let me use her book and materials, the class would be free for me...