Samantha's voice shakes with emotion.
"It's hard. It's really hard," she tells Mamamia, tearfully. "One minute you think you've got it together... and then you don't."
The Sydney mum is talking about the terrible distress and suffering that comes from being in a financially untenable situation. When she was eight months pregnant with her only child, she and her husband took out a home loan from a major bank. Samantha was hesitant, given she was so far into her pregnancy and would not be working for quite some time - they would be wholly reliant on her husband's income.
"I'm not an idiot when it comes to finances. At the time of taking the loan, I did say to them, 'Is it OK that I'm not going to be earning any income?' They said, 'Oh no! You'll go back to work and it'll all be fine.' I thought, Hang on a minute, 'I didn't make that decision, you're making that decision.' And lo and behold, I didn't end up going back to work. And we hit problems," she says.
Listen to Mamamia's financial podcast What The Finance. Story continues below.
The couple also had to close off all their other credit cards in order to be approved for the loan - only for the bank to provide them another credit card with an $8,000 limit. Samantha now understands that it was likely a way make them even more financially dependent on the bank.
"Now we had a credit card that is attached [to the loan] that we didn't ask for and it was very frustrating," Samantha says. "We questioned them about it at the time and they said, Oh, it's just part of the package. And I was like, OK, but that's not what we asked for. Why did I have to close all my other ones off? That makes no sense. It's just a nightmare."