It can be quite easy to overspend now and again, but one 28-year-old woman really let this get out of hand by incurring a $36,000 debt.
Brittney Reynolds has stunned TikTok user after explaining her unfortunate financial situation.
Sharing her first video speaking about her debt, she said she had built up a total of $36,227 in credit card debt due to careless spending.
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In an effort to pay it off, after reaching a breaking point, she said she had moved back in with her parents, moving from the Bay Area to Temecula, California.
Since moving in with her parents, Reynolds has been able to make consistent debt payments, with her TikTok bio saying she's wiped a whopping $7,000 off her total debt.
Nevertheless, her video has sparked a debate, with some questioning how Reynolds let herself get into this situation in the first place and criticising someone in their late 20s for living with their parents.
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Others have praised her for the positive attitude towards paying the debt off.
“That’s great and all but a 30+ year-old living at their parents house not paying any rent or bills will never sit right with me regardless of the situation,” one user wrote.
“Your parents aren’t teaching you s***, other than the fact that when you spend outside your means, they will be there to save you,” another wrote.
Another added: “Love your honesty and accountability! Don’t ever let anyone make you feel bad about live with your parents or your debt. You are making huge steps.”
“You’re very brave for tackling this huge debt and sharing online. But you also should figure out what you actually spent money on, and make a budget,” one user commented.
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Speaking to Insider, Reynolds said the debt did not come in one big moment, but rather over the past six to eight years.
The things she splurged on were Airbnb solo travels, a $4,000 couch and a glitzy skincare routine, as well as tattoos and food deliveries.
Speaking of her poor financial management, Reynolds said ‘as far as overspending, I just really didn’t care, I didn’t think about the long-term impact'.
Reynolds also detailed her rent costs had also become an issue for her before she moved in with her parents.
Earlier this year Reynolds had moved in with her partner who ended up losing her job, meaning she became primarily responsible for their $2,770 rent.
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She added this became unsustainable on her $88,000 salary.
The pair eventually broke up and it was a this point Reynolds decided to address her financial issues and called her mother asking to move in.
She insisted she did not want to enter her 30s feeling this way and worried about her financial future.