Quote from: el kaka22 on May 17, 2023, 07:49:25 PM

I think it is head to head almost every month. I do spend "more" as in I know that I get into debt, but not debt that I can't pay, which means that I end up spending more than I have, but per month basis it becomes break even.

One example would be, I can get 5 thousand dollars worth of debt if I want to, not that I have that much debt, but I can if I want to, but then pay 200 per month, that means 200 per month doesn't really ruin me, that's fine and it doesn't really impact my life as in make me poor suddenly, would be very bad so I don't have it, but the example shows that the debt is more than I make, but the per month one is not. That type of is acceptable, if you are going to spend more than you make, focus on making it that way.

An interesting judgment. It is by getting into debt to spend more. I used to borrow before paycheck, I spent 30 percent more than I earned, but with each new month when I received my salary, I had to give back this 30 percent. Thus, it is difficult to say whether I lived in plus or minus. It turns out that in this case I spent more and received even more.