It begins

I am 22 years young, and in my 22 years (well, more like in the last 4 years) I have already made some serious money mistakes. Among some of these, I have taken extensive private and public loans to attend a private college where I was miserable, when I had a FULL scholarship to a public college. Even worse, I withdrew from this college my junior year and still do not have a degree to show for it. I have used credit cards to subsidize a lifestyle that is possible when my husband and myself are making decent salaries. However, when this has decreased, I have not adjusted my lifestyle in the past. I have spent when I should I have saved. I have bought when I should have just walked away. This is all about to change. I am determined to turn this mess around and start planning for the future instead of paying for the past.