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Taken from the phrase year dot, year debt refers to a year when you've got lots of debt to pay back, especially after having a merry cashmas.
Man I had a fabulous Cashmas, but now I'm back to year debt!
A conspicuous consumer who laments he/she "can't" pay his/her student loan or utility bills while headed out for a case of bottled water, carton of smokes, concert ticket or tattoo, etc. The thought of economizing or getting a second job to pay off debt is wholly repugnant. Much more attractive options for this type of person are federally mandated loan forgiveness, Go Fund Me campaigns, or even bankruptcy.
She spendshuge amounts on designer clothes, gourmet foods, etc., then complains she can't pay her rent. She's always looking for a way to get others to pay her bills--she's a true PSDD (Perrier sipping/swilling debt dodger)!!
Having sex with your spouse.
Hey Bob, why are you late?
Oh, I was servicing the debt.
Oh, ok, how's Karen btw?