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Around the same time my debts imploded, I started to incur massive healthcare bills.I had insurance that covered the majority of my procedures, but between steep premiums for the fancy insurance I now required and the high deductibles, I was drowning in bills for something I I stopped socializing because I simply could not afford to and ate a lot of instant ramen.Instead, two years ago, I dropped everything to start a new career without a safety net or plan.A tidal wave of roadblocks has prevented me from achieving my financial and professional goals in the past few years, namely six surgeries and the subsequent effect on my mental health and ability to work, but my money problem began long before the hospital stays.Perhaps I needed to crash and burn financially in order to understand the simple lesson that didn't stick at age 14: to not live frivolously.While I still enjoy Michelin-starred restaurants and designer clothes, I know these cannot be weekly or even monthly purchases.Instead of crawling into my hole of shame and online shopping, I finally admitted I had a problem.
But admitting I’m underwater is something with which I’ve only recently become comfortable.
While understanding the need to pay for nonessentials on my own stuck with me through college, my I attended a prestigious college for both my bachelor’s and master’s degrees, with tuition for six years costing 0,000.
The university gave little in the way of financial aid and scholarships, neither of which I qualified for, anyway.
Participating in these outings also required a variety of wardrobe options. I also developed a habit of shopping any time I suffered a blow to my self-esteem. When you’re trying to keep up with your financially stable friends, trying to use a maxed-out credit card is mortifying.
Even if they’re not judging you — most of the time, my friends were kind enough to cover me until I could pay them back — it’s an awful feeling to be denied.
However, the program also calculated my debt-to-income (DTI) ratio, which impacts your ability to open a line of credit or take out a loan.