It used to be that when I felt broke, I used my bevy of credit cards to chase away the feeling. As long as I could spend money, it felt like I had money. 

My credit cards were my antidepressant. Reluctantly, I’ll tell you that they did the job. But only for a short time and until the pleasant feeling vanished because I was feeling broke again and needed another fix. 

The more I used my credit cards to prove to myself that I wasn’t really broke, the more debt I created—until finally I couldn’t fake it any longer. The jig was up and I was a mess.

It took me 13 years to get out of that financial mess I got myself and my family into, but we did it and in the process I learned a very important lesson: Every woman needs some money to call her own. Read more