Today I went to see a bankruptcy trustee, because that’s how screwed I am. I can’t claim student loans on that so will have to keep paying them; this is OK. I should pay for (at least part) of my education like everyone else.
I have thought about it a lot and am at peace with this decision. I am not really interested in investing in anything major in the next few years. I want to feel I have control over my real money that I work hard for. I want to save for what I really want, be able to carry an emergency fund, travel (spend) guilt-free, get an RRSP. Small things that are very important and will help me be happier.
It’s nothing to be ashamed about. Many people get themselves into far worse trouble than me. All I did was try to live a good life while I was a student. I sort of made mistakes, but didn’t really do anything ‘wrong’.
So, starting today I no longer am using my credit cards. It’s cash-only now, for as long as I can get away with it. Then a small credit card eventually again, which I pledge to be much more careful about, and NOT have the limit raised!!!!
