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Psychotherapy and Mental Health questions

Am I Commitment-Phobic?

I have dated probably close to 12 guys in the past 8 years. Out of all these men, I had only one long on/off relationship that lasted about 7 years. I had always thought he was "The One" but after waiting for him indefinitely, we finally ended it last year. Since then I have dated a couple of guys, all of which are nice enough, but have not gotten any luck going anywhere further than that. I don't feel it's difficult to be friends with men and to date them but I just don't know why I'm always scared to be labelled boyfriend  and girlfriend exclusively.

Do you think I'm afraid of commitment? I don't even have a credit card or loan and pay everything, including bills, by debit card or cash because I do not want to owe anything or anyone. Or could it be that I can never feel I can trust somebody enough because my parents divorced when I was a teenager? I'm confused, lonely and feel depressed at times.

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