An aspiring social media influencer in her early 20s said she racked up $10,000 in credit card debt trying to keep up her online persona, before having an epiphany that led her to refocus on her finances and pay off her entire debt in a little over a year.
"I was living this social media-forward life, where I felt the urge to want to post everything, and that, combined with having very low financial literacy coming out of college, was something that just blended in the wrong way," Lissette Calveiro, 26, told ABC News.
"I actually was so enamored with the glamor of New York City," Calveiro said. "Every month I would go online shopping and I wouldn’t really give myself a budget, I just kind of went with it.
"I was so savvy, but it adds up," she said. "I was like, I’m putting it on a card, it’s fine. I’m sure I’ll make more money later."
She supplemented this with savings and income from a retail job she had on weekends, "but it was not catching up to the cost of living," she said.
"It was really about just kind of keeping up," she said of her spending habits. "And living paycheck to paycheck without really having a paycheck."
Eventually, Calveiro moved back in with her parents in Miami, where she got a job in PR. Instead of saving her money while living rent-free, Calveiro said she decided to blow the extra cash on frequent trips to post photos of on her social media accounts.
"In my head I was like, 'OK I want to go somewhere new every month in 2016,'" she said.
"It accumulated to about $10,000," she said of her debt, that spread out over multiple credit cards. "I didn't keep up with my balance as a whole."
The pressure to keep up her online appearance continued to come at a heavy cost, she said.
'I can’t feel successful if at the end of the day if I have credit card debt'
Eventually, Calveiro said she had the epiphany that her lifestyle was not sustainable. She added that it was her sister who forced her to take a good hard look at her finances as she was preparing to move back to New York City.
"I can’t feel successful if at the end of the day if I have credit card debt," she said.
Rather than prioritizing her social media presence, Calveiro focused her energy on living within a strict budget and getting her finances back on track.
Back in New York City, she moved in with a roommate to save money on rent, cooked most of her meals at home within a strict $35-per-week grocery allowance and started renting clothes instead of buying them.
"I get to kind of have this rotating closet all the time to be able to still be passionate about personal style," she said of renting her wardrobe.
With her determination and discipline, the former shopaholic was able to pay off her $10,000 debt in just 14 months. Now debt-free, Calveiro said living within her means and being her true self online feels like "a sigh of relief."
"I don’t regret the experiences I had because at the end of the day they were great, I was able to get myself out of it by being more responsible," she said. "But I regret not waiting to do them when I could actually afford them at my own means, so that I could enjoy them a little bit more."
She said that in the end, she amassed more Instagram followers when she was her authentic self online.
"Travel didn’t make me 'Instagram famous,' because at 13,000 followers that’s not famous," she said. "But now this story is viral because I came out and said my truth.
"When you speak your truth and when you give people authentic advice, and when you talk about failures as well as successes, people will want to listen to your message and you’ll grow from there," she added.