Thank you.

Financial stress is some of the worst s*** to be under. It’s not the end of the world, but it’s tough, and you will make it out of this.

Your credit is likely to go to s***. But that can recover and you’re not the first 22 year old to be in debt.

Good luck.

Live within your means and get out of that second rent payment

Thank you. My intention is to utilize the funds that will be provided by my insurance company for the loss of my stolen items to pay off my existing debts.

And get an income stream ASAP. You mentioned applying with no call backs. But if you really want a job you will get one. So many places need employees!

ok and?

Now that I think about it, I remember I used points from my credit card at the time to go towards to the purchase. So I didn’t actually pay $1k.

This is your opportunity to improve your credit profile. keep your head up

Oak's life is a movie.

completely justified purchase then, my mistake

this gotta be OP

It’s true bro

get used to it f***er

debt since i was 20 beat that!

I'll continue enjoying not owing anyone money, but that's just me..

I mean fair enough but the system is set up in a way that you can take advantage of debt in a huge way. No one is starting a business on straight cash

ya but acting like getting a mortgage or getting a loan to start a business is the same as racking up credit card debit is disingenuous lol

Credit card debt is diff in that interest is hella high but you should still be paying everything with credit cards and paying them off

Paying anything in cash is literally losing out on money

ya I mean I do that but also just because CC's are more secure than debit cards

once you start getting into credit card hacking and trying to stack points or some s*** it becomes way more trouble than its worth imo

Oh yea f*** all that lool

yaaa

even house hacking and stuff like that can be hella dumb if you are hella over leveraged

Yeah for sure. I think there’s just a general fear of debt when it’s actually one of the most useful tools we have