

i was just wondering the other day, how many people i’ve come across who keep up appearances of a certain lifestyle or able to afford certain amounts of rent are actually in crippling debt, because it’s something i never even considered until last year. i’ve never opened a credit card or taken out a loan and so have lived a very basic low income life yet i’d always see people my age or even younger living life with many more amenities with a part time job or even no job… i’m sure trust fund/parental contribution also plays a role
i wonder if the anxiety of having no money is greater or less than the anxiety of being in debt, but certainly from outward appearance those with decent living situations/freedom of choice in what they eat, where they go, how they spend their time, in exchange for being in debt, generally seem to be much happier
that’s generally the same logic that has led me to avoid getting a cc or loans, probably better to be at 0 with room to go up than in the negative constantly. but your credit score point; i have no credit score at all and so people still won’t rent to me