I'm a dumbass and I'm 2,350 dollars in debt. I'm a part-time worker and I earn about 550 monthly after taxes and phone bill.
even if I go no-life and stop going out and buying vidya I will have to stay like that for 4 and a half months.
I fucking hate myself for maxing out cards, could have been full time student enjoying my usual allowance to go out with friends.
>my usual allowance
Do you have a job, sir?
I wish I fucking didn't being a cashier fucking sucks, having to deal with shitty boomer costumers that think they better than you, then I have to go out and clean the trashcans filled with rats, to then clean the bathrooms that appear like they have been used by literal monkeys, all that just for a sad fucking 9 dollars an hour.
Good goy
Well I'm already going to freely get some vidya to last me these months, and just full focus on killing my debt. Then I will close my cards and finally fucking quit my job.
> 2,350 dollars in debt
Big deal. One time I was $9,000 and paying to go to school part time. Just work yourself out of it and pay it down piece by piece, month by month. You'll be alright, things will just suck for a bit
Can't wait to be debt free. Also, luckily my parents paid a great part of my college credits in advance when I was born, so about 3/4 of my career is already paid.
I really don't know what happened to me, I should have stayed with my debit card and just use what I earn instead of dealing with credit cards.
It is not correct nor logical but I try and separate my mortgage and car payment from other debt in my mind. When I do so my debt is actually quite manageable and of low enough interest that I don't have major worries about it. Once again, the interest is more than my returns with what I put into interests but I have trouble forcing myself to think that way. Focusing totally on debt reduction just feels like a loss compared to wealth accumulation even if it is all just money in money out.
Yeah it can be pretty easy to just buy shit and not even think about it with a credit card. This might not matter to you when you go NEET (which I disagree with but whatever), but it helps to check up on your credit line regularly. If you're checking up on it every so often you can kinda hold yourself accountable and taper off if it starts rising too fast. I do this with my checking account too
Well I will not go NEET as I will probably just go and do some uber when I'm need of cash to buy something and I will also attend med-school in the future.