I Rely on Credit as a Means to Cope

I Rely on Credit as a Means to Cope

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Sept 4

Male- age 27

Sept 4

Male- age 27

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Girl At The Window, Salvador Dali

The spiral started a few years into my corporate job in Bangalore. As a marketing manager at a tech startup, the pressure to perform and the long hours began taking a toll on my mental health. I found myself increasingly turning to online shopping as an emotional crutch - a way to momentarily numb the stress and anxiety.


Initially, it was just the occasional impulse buy - a trendy shirt here, a new gadget there. But soon, the purchases escalated. Whenever I felt overwhelmed by a big client presentation or tense team meetings, I'd find myself endlessly browsing e-commerce sites, adding items to my cart. The temporary high of seeing a delivery at my door was the only thing that seemed to dull the ache.


It wasn't until I received my first credit card statement that the harsh reality hit me. ₹65,000 in charges, most of them for frivolous, unnecessary items. I had completely maxed out my limit, and the 24% interest rate was crippling. That's when I confessed everything to my close-knit group of college friends from Hyderabad during one of our monthly video calls.


"Dude, I think you're using shopping as a coping mechanism," Rahul said, his brow furrowed with concern. The others nodded solemnly. Suddenly, I saw my behavior in a new light - it wasn't just about the material goods; it was an attempt to self-medicate my emotional turmoil.


Since that conversation, I've been working on addressing the root causes of my anxiety. I've started seeing a therapist and have found healthier outlets like exercising and volunteering. But the temptation of that virtual shopping cart still lingers. Whenever I feel overwhelmed, I have to fight the urge to turn to credit as a temporary salve.


My credit card debt is slowly decreasing as I make conscious efforts to curb my impulse purchases. But I know this is a lifelong battle. The trauma of that first sky-high statement still haunts me. I'm determined not to let my struggles define me, but it's an ongoing process of self-discovery and discipline.


Maybe one day, I'll be able to window-shop without the compulsive need to buy. Until then, I'm grateful for friends who call me out on my unhealthy coping mechanisms and encourage me to seek help. After all, true wealth isn't just about the money in the bank - it's about having the emotional resources to weather life's storms.

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Female - age N/A

Female - age N/A

  • 30 Jan

  • 30 Jan

It's good that you have people around who can help you see where you are going wrong and say that to your face


And this is really important for you to grow as a person as well


Hope this gets resolved soon

It's good that you have people around who can help you see where you are going wrong and say that to your face


And this is really important for you to grow as a person as well


Hope this gets resolved soon

Male - age N/A

Male - age N/A

  • 30 Jan

  • 30 Jan

read your article/blog, the coping mechanism thing kinda is thousand percent true. everyone has got their own without themselves realising it. some healthy and some extremely harmful.


glad you've got friends on whom you can rely on and helped you out.

read your article/blog, the coping mechanism thing kinda is thousand percent true. everyone has got their own without themselves realising it. some healthy and some extremely harmful.


glad you've got friends on whom you can rely on and helped you out.

Maddy

Maddy

  • 29 Jan

  • 29 Jan

Dear Friend,


Your story about the seductive pull of that "Add to Cart" button feels painfully familiar - not just to me, but to anyone who's ever sought comfort in the warm glow of retail therapy. Let's talk about what's really happening when you punch those sixteen digits into yet another checkout page at 2 AM.


You've created a perfect little escape hatch for yourself, haven't you? When the pressure of client presentations and endless meetings becomes too much, you've found this magical portal where everything can be fixed with just one more purchase. That dopamine hit when the delivery person rings your doorbell - it's like a tiny vacation from your overwhelmed reality. But here's the thing about vacations: eventually, you have to come home. And your home right now is buried under ₹65,000 worth of attempts to buy your way out of anxiety.


What strikes me most about your letter is how you describe that moment with your friends from Hyderabad. It wasn't the credit card statement that truly woke you up - it was Rahul's gentle observation that cracked open your carefully constructed defense mechanism. Because that's what this is: a sophisticated form of self-medication, prescribed by the same part of your brain that's telling you you're not enough unless you're constantly performing at peak capacity.


You're treating your credit card like an emotional painkiller, but here's the brutal truth: it's more like a band-aid on a broken arm. The relief is momentary, but the injury - that deep-seated anxiety about your worth, your performance, your place in the corporate machinery - that's still there, throbbing underneath all those unnecessary purchases.


I want you to consider something: What if your shopping addiction isn't actually about the stuff at all? What if it's about trying to buy your way into feeling in control? In the pressure cooker environment of a tech startup, where success feels as fleeting as your last successful campaign, maybe clicking "buy now" is the only time you feel like you're making a decision that's entirely yours.


The fact that you're seeing a therapist and finding healthier outlets is fantastic. But I notice you're still framing this as a battle to be won, a dragon to be slayed. "A lifelong battle," you call it. But what if instead of fighting this part of yourself, you got curious about it? What if every time that urge to shop hits, you treated it like a message from a part of yourself that's desperately trying to tell you something?


Next time you feel the pull toward your favorite shopping app, try this: Pause. Take a breath. Ask yourself, "What am I really shopping for right now?" Is it confidence? A sense of accomplishment? The feeling that you're moving forward, even if it's just in your wardrobe? Because here's the thing - those are all valid needs. They're just looking for fulfillment in the wrong aisle.


You're already doing the hard work of addressing the root causes, but don't forget to celebrate the progress you've made. Every time you resist the urge to use your credit card as an emotional crutch, you're building new neural pathways. You're teaching yourself that you can weather discomfort without maxing out your credit limit.


And about those friends who called you out with love - they're worth more than any premium shopping membership. They saw past the shiny packages to the pain underneath, and they're helping you write a new story about what it means to be successful, to be enough.


Remember: True wealth isn't measured in credit limits or shopping hauls. It's measured in moments of genuine peace, in relationships that hold space for your struggles, and in the growing ability to sit with discomfort without reaching for your wallet. You're already richer than you think.


Keep going. Not because you need to "win" this battle, but because you're worth the investment in finding healthier ways to honor your needs. The next time you feel overwhelmed, try this radical act: Close the shopping app and open your notes instead. Write down what you're feeling. You might find that what you're really hungry for can't be delivered in a brown box.


With faith in your journey,

Maddy

Dear Friend,


Your story about the seductive pull of that "Add to Cart" button feels painfully familiar - not just to me, but to anyone who's ever sought comfort in the warm glow of retail therapy. Let's talk about what's really happening when you punch those sixteen digits into yet another checkout page at 2 AM.


You've created a perfect little escape hatch for yourself, haven't you? When the pressure of client presentations and endless meetings becomes too much, you've found this magical portal where everything can be fixed with just one more purchase. That dopamine hit when the delivery person rings your doorbell - it's like a tiny vacation from your overwhelmed reality. But here's the thing about vacations: eventually, you have to come home. And your home right now is buried under ₹65,000 worth of attempts to buy your way out of anxiety.


What strikes me most about your letter is how you describe that moment with your friends from Hyderabad. It wasn't the credit card statement that truly woke you up - it was Rahul's gentle observation that cracked open your carefully constructed defense mechanism. Because that's what this is: a sophisticated form of self-medication, prescribed by the same part of your brain that's telling you you're not enough unless you're constantly performing at peak capacity.


You're treating your credit card like an emotional painkiller, but here's the brutal truth: it's more like a band-aid on a broken arm. The relief is momentary, but the injury - that deep-seated anxiety about your worth, your performance, your place in the corporate machinery - that's still there, throbbing underneath all those unnecessary purchases.


I want you to consider something: What if your shopping addiction isn't actually about the stuff at all? What if it's about trying to buy your way into feeling in control? In the pressure cooker environment of a tech startup, where success feels as fleeting as your last successful campaign, maybe clicking "buy now" is the only time you feel like you're making a decision that's entirely yours.


The fact that you're seeing a therapist and finding healthier outlets is fantastic. But I notice you're still framing this as a battle to be won, a dragon to be slayed. "A lifelong battle," you call it. But what if instead of fighting this part of yourself, you got curious about it? What if every time that urge to shop hits, you treated it like a message from a part of yourself that's desperately trying to tell you something?


Next time you feel the pull toward your favorite shopping app, try this: Pause. Take a breath. Ask yourself, "What am I really shopping for right now?" Is it confidence? A sense of accomplishment? The feeling that you're moving forward, even if it's just in your wardrobe? Because here's the thing - those are all valid needs. They're just looking for fulfillment in the wrong aisle.


You're already doing the hard work of addressing the root causes, but don't forget to celebrate the progress you've made. Every time you resist the urge to use your credit card as an emotional crutch, you're building new neural pathways. You're teaching yourself that you can weather discomfort without maxing out your credit limit.


And about those friends who called you out with love - they're worth more than any premium shopping membership. They saw past the shiny packages to the pain underneath, and they're helping you write a new story about what it means to be successful, to be enough.


Remember: True wealth isn't measured in credit limits or shopping hauls. It's measured in moments of genuine peace, in relationships that hold space for your struggles, and in the growing ability to sit with discomfort without reaching for your wallet. You're already richer than you think.


Keep going. Not because you need to "win" this battle, but because you're worth the investment in finding healthier ways to honor your needs. The next time you feel overwhelmed, try this radical act: Close the shopping app and open your notes instead. Write down what you're feeling. You might find that what you're really hungry for can't be delivered in a brown box.


With faith in your journey,

Maddy

Share your story - because, in the end, there will always be story or two to tell. About being broken. Rising. Falling. Growing. Disappearing. Waiting. Surviving. Changing. And other human fears.

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Share your story - because, in the end, there will always be story or two to tell. About being broken. Rising. Falling. Growing. Disappearing. Waiting. Surviving. Changing. And other human fears.

Submit a Story