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Part 3 - Rotorua... Drowning in Debt

 When I finally moved out of Auckland (waaaay too expensive to ever concieve of buying a house there).... I was excitied. 

I had a new car that I got through an auction at Turners! Yay! But that had huge interest payments too...

Finally, in Rotorua - in a big three bedroom house (much too expensive to live in on my own as a second year teacher)... I felt settled. 

Yet the hire purchases and my financial naiivety continued. 

Note to audience: Mr Rental was not a good idea. It seemed like it at the time... Because why would I need a fridge or washing machine of my own just yet? I could just RENT them.... Ugh. Such a dumb idea. 

Eventually I went to DTR and *bought* the items I needed. I say *bought* because I was paying them off.... While they were in my house... With a HUGE interest markup. 

I now own the TV, washing machine, fridge and bed.... However... I paid a whole heap extra in interest. I could have just saved all of my money and bought one thing at a time. Or made do with second hand. 

But I didn't have the foresight or the hindsight I have now. I was teaching myself how to adult based on what I had learnt while growing up. 

In my third year in Rotorua... I started getting really really really really really really REALLY depressed. 

I was living in a small one bedroom house. Yay! I'd downsized! Mainly because it was too expensive living in that big beautiful 3 bedroom house, even with the flatmates that periodically moved in. 

I was super lonely. Even with Zo and Mia - my two furbabies. 

But I had my TV, washing machine and fridge! Oh and my bed. ♥️ I felt like a princess the day that bed turned up. It was so high off the ground with a pillowed top of the mattress. It's still the best purchase I've ever made. King Koil - bloody good sleep!

I also had ALOT of bills. 

I was slowly chipping away at my student loan. 

I tried saving. Oh did I try. But I had created this new habit where I'd just steal from myself and promise to pay it back the following pay. 

My expenses were so high. I didn't know what I was doing. 

Bills: 
Car payments
Student loan
DTR
Bed payments
Instant Finance
Vet bills
Laybuy and Afterpay
Etc

I was quite literally drowning in debt. 


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