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I have avoided debt like a nun avoids the devil. Though I took a few loans during my first job. I wanted to be independent even if it meant to have a more lean and basic lifestyle. Admittedly this was not that tough for me as I tend to live basic and reduced and do not need much items around me. However I do care for my pension and a small flat and the requirements of every day life plus job. So even basic living is costly. But debt not only comes with an interest rate in the form of money but also in the form of pressure, uncertainty, doubt, fear and erosion of joy. I am not willing to pay that on top.
I'm dealing with debt right now. I have close to $2K I have to pay off by August
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