well I am in debt....
Started a few years back when I had the chance of moving to a 500 year old cottage in a rural area, never had problems getting work before but did then.
When I finally got work that was stable I thought I'd be out of debt quite quickly, but it never worked out like that....and i have never spent extravagantly, don't smoke , drink or anything else.
was made worse by unexpected bills for things and a car that eventually cost more to repair than buy originally, including a fault the mechanics had never seen on that make (electronic fuel pump) that cost over £1,000 to fix
Last four years been very hard as my wife had major surgery and needed to retrain in order to get back into work - she has worked all her life but was she entitled to any money for retraining or sickness benefit? No. She had to hunt and fight for bursaries like a bloody commando and we still had to pay lots. She has just had another smaller operation and still not able to have any financial benefits - so been living on my wage for all this time pretty much.
So all my music equipment was bought via credit - mostly second hand items too, and although it has added to the debt to some extent, there would have been no music without it. (there does not seem to be a smiley for surrendering to fate!!)