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.
Maybe you are still a little lucky because you still have a trusted place to borrow to live a life that is quite stable, so it is difficult to know which sector is still lacking. But if I examine it in general, you still have a minus in the amount of income because you still have to take out a loan before you receive a salary from your own work. Because if your salary is enough for you to use for a month, that means you don't have to make a loan before receiving your salary the following month.