Debt Confession Part II: I Maxed Out My $10,000 Credit Card 🫣

Описание: "I was so numb that I didn't see the $11,000 problem right in front of me." 🥀

Welcome back. This is Part II of my debt confession, and it’s a tough one. I’m pulling back the curtain on my "fremies" relationship with my credit cards and how a stressful year at work led to a $10,000 debt realization.
I hit my $10k credit card limit without even realizing it. Between Barcelona, Paris, and Portugal, the expenses piled up while I was in a state of "financial numbness." Today, I’m sharing the lesson I learned about planning with money I don't have, why I’m taking money from my emergency fund for Japan, and my plan to pay this off $1,000 at a time.

In this video:
• 0:45 My "Fremies" History: Learning about credit cards the hard way 💳
• 1:33 The Pandemic Trap: Relying on credit when hours were low 📉
• 2:22 Why am I drowning? A look at the last few months 🌊
• 3:17 The Travel Breakdown: Mexico, Barcelona, Paris & Portugal ✈️
• 4:39 The Real Cost: $7,460 for one trip?! 💸
• 5:57 THE REVEAL: $10,900 in debt on a $10k limit 🫣
• 6:36 Financial Numbness: Why I didn't see the warning signs 🧠
• 7:20 The Lesson: Never plan with money you don't have yet 🛑
• 9:09 My 2026 Plan: No travel unless it’s mandatory 🙅‍♀️
• 10:19 Cancelling the French Riviera: Nice, Monaco & Cannes 🇫🇷
• 11:44 My new Travel Binder system (Revamp coming soon!) ✨
• 12:10 Realizing the mistake: "Travel, Em... travel." 🤦‍♀️

MY SUPPLIES 📦    • HAPPY MAIL 🤍  

ABOUT ME 🤍 My name is Emeline — but you can call me Em 😊 I’m 25 years old and live in Québec, Canada 🇨🇦. I work as a Travel Agent, so my income can be a rollercoaster! I’m documenting my journey to save $20,000 for my first home (FHSA) and paying off my credit cards using the cash envelope system.

Thank you so much for watching, and I hope you enjoyed this video! 💖

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⚠ Disclaimer: I created this channel to document my journey and share my experiences in hopes that it might inspire you on yours. Please keep in mind that I am not a professional financial, legal, or tax advice. Every budget is unique, so please consult with a licensed professional before making your own financial decisions. Past wins don’t guarantee future results, but staying intentional always helps! 💸✨

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