She and her husband have just over $50,000 in total debt, which includes student loans, medical bills, credit cards and a car payment. She's currently not working and her husband owns a landscaping company. Bozarth admits she has never been good at sticking with a budget. She and her husband pay bills as they come in and buy stuff when they want. That includes grabbing take-out, buying fountain drinks at the gas station and making purchases on Amazon nearly every day. "Those expenses add up quickly, and before you know it, you have spent hundreds [maybe thousands] of dollars on things that weren't necessary," she wrote to CNBC in an email.