#need to get rid of that damn debt. asap. my severance payment is the light at the end of the tunnel for me rn
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#thinking about how nice it would be to have an actual bed#instead of just sleeping on a mattress on the floor as i have done for the past 13 years#and how nice it would be to have an oven that actually works#(i tried to roast carrots tonight. the recipe said 40 mins at 190 C.#i had to set the oven to 250 C for it to actually reach 190 C. and roast for about 2 hours. and they still didn't get cooked properly)#and all the other things that need to be fixed about my home#(i love my flat so much but the furnishings and appliances desperately need updating)#but every time i start tentatively thinking about making one of these big changes#i get so overwhelmed by the logistics (who takes away the old mattress and oven? how do i dispose of them? how do i choose good ones?)#and then i remember that i am still over 10k in debt with student loans#and that literally a week ago i was calculating whether i'd be able to borrow money from friends for rent if necessary#and survive on lentils and rice and the other stuff in my cupboard for a month if i had nothing left for groceries#and i realize how UTTERLY ridiculous it is for me to even THINK about spending large amounts of money on anything until the debt's paid off#like every single financial advisor tells you that straight up#if you've got loans of multiple thousands of dollars and the interest rate is NINE FUCKING PERCENT#you do not put money away in savings. you do not invest money. you do not splurge on ANYTHING#you scrimp and save. and so that's what i've been doing. for a couple decades now#i'm so tired#and i've been doing this so long that i suspect it's permanently changed my brain chemistry#the mere prospect of taking any financial risks makes me instantly go into shutdown mode#need to get rid of that damn debt. asap. my severance payment is the light at the end of the tunnel for me rn#just gotta hold on till then. and then we'll see#tag rant#poverty#personal#cosmo gyres
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