Sometimes you have to hit bottom, to know how to climb back up.
Bottom came when a repo man appeared at my door on a Wednesday morning in April. He wanted my television, my couches, my sound system and my laptop. I was able to save the laptop with a quick loan from one of my neighbours. The couches, TV, speakers and receiver were put on a truck.
Sitting in my apartment that afternoon, I pulled out all my bills and made a list of what I owed. I wrote the number on a piece of paper with a sharpie pen and stared at it for over two hours as I thought about all the options at my disposal.
My Parents: I had gone to them for money when I was in University, but that was it. I could have gotten student loans, but they helped me pay for my entire tuition outright. I still owed them that favour. I couldn’t go to them again.
The Bank: Use one loan to pay for another…? I hear you could do it, but was it worth borrowing from one evil empire to pay another?
My Friends: They had money, but I had Butch’s nagging sting. I could never ask them.
Who or what then would be the answer? How would I continue with my payments with the smallest of incomes?