When I moved to my current city, starting a new job in a new place at the same time that all my student loan payments had to begin, I was in dire financial straights. I hadn’t earned enough money in the six months between graduation and that move to have any kind of cushion to fall back on (all my work during those months was at ten dollars an hour which was enough to live off, but not enough to start any kind of savings or financial safety net) so I had to put the entire move on a credit card. It wasn’t that bad since I was living pretty light, tossed out the couch I had up to that point, and had a large Jeep I could hook a trailer up to instead of needing a full moving truck. Still, between that, groceries, gas, and the constant needs of living in a new place while waiting a month for my first paycheck (my job paid monthly), I racked up enough credit card debt that it made me uncomfortable.