This is a guest post. Several years ago, I found myself in a position I had never before envisioned: in debt. A combination of student loans, frivolous spending habits, and a general cost of living that was difficult on my income all coalesced to drive my bills higher and higher. Unable to pay, I consolidated them and resolved to crack down and pay them back. And, for a while, I did: I lived a far more frugal lifestyle and began chipping away, slowly, at my debt. I had turned the corner. But being in debt is just as much a […] Read more »