I used the "It's Not the End of the World" flair because I'm trying to convince myself it's not. Long story short, my partner and I were applying for a loan to pay off some debt at a lower interest rate and a few other things. I thought I had a rough estimate of what my credit card balance was at and it turns out it's double what I thought. We are looking at $9,000.00 ish and we thought it was around $5,000.00. I know compared to to others this isn't a huge amount of debt, but we also have a mortgage and a truck payment that's almost as much as our mortgage (another long story). 

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We just moved out over a year ago and we were struggling with how to make sure we made all of our payments without leaving too little left in the bank so I guess I just neglected to make payments towards it and we had just moved over his truck insurance and cell phone over to my credit card because he was getting rid of his and I guess with missing payments and interest building along with the new charges for his insurance/phone it just got out of hand. 

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I feel like I failed us. We were supposed to go on a trip to get married next summer but we might not be able to do it now, we just might have to prioritize paying off our debt now. I know I need to be more responsible but when I'm faced with major anxiety I just shutdown. I feel like such a loser.