Skip to main content

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. 


Labels:

Comments

Post a Comment

Popular posts from this blog

Continuing to break the poverty mindset

Whuuuu.  I'm still processing the latest thought patterns.  We're going to an Open Home on Sunday. 52 Buchanan. Beautiful big house. Flashy, as Crystel puts it.  She wants to live in a flashy house.  I get it.  We've both been through some crazy trauma and deserve good things.  But inside me is also this niggling thought that makes me think I don't deserve to. That thought is holding me back.  I find it hard to see myself in a fancy, flashy, new house.  I prefer to see myself in a villa.  Part of that could be conditioning while growing up. Maybe it's to do with my preconceived notions and ideas about wealth.  Maybe I still have more work to do.  At present - my list of house options:  52 Buchanan Street Ōpōtiki * 3 bedrooms, 2 bathrooms * newer house * Not much section * Pizza oven * Big garage * Big white gates * Open plan living and kitchen 32 Potts Ave * 2 bedrooms, 2 toilets, 1 shower over bath * Co...
Post a Comment
Read more

Sandy NanoWriMo 2014

Update: Quite a bit longer now...  #NaNoWriMo2014 She woke up just like any other day, with her alarm playing on her phone and her arm sprawled across her face. Her face covered from the overwhelming light that drifted through the non-existent curtains and onto her bedroom walls. She had been clever enough a year ago to begin mapping out the sun's cycle as it passed her little apartment and knew without even looking at her phone that she had overslept. Sandy Jenkins was no ordinary person. But she felt overly ordinary every single day. The problem was, she hadn't quite figured out her purpose in life, nor had she found the suitable (insert worm mating phrase here).  Unfortunately, Sandy had a couple afflictions. The first was that she was stuck in a job that she didn't particularly like. She had a range of talents yet none of these had anything to do with her current 'career pathway' or so her parents continued to call it. They said it was a stepping stone to a much...
Post a Comment
Read more