I understand the importance of living frugally and within ones means. However, shit is hitting the fan for a lot of people and even those who are responsible are having to get creative.
Are we counting on "The Great Reset?" The biggest FU to the banks, go down with the ship? With interest rates at stupid numbers and a financial collapse every 10 years, what the actual fu*k?
Whats the endgame?
Like most people my credit card debt is a result of predatory interest rates, constant inflation and underpay/underemployment.
I don't live like a king, I pinch my pennies but when the heating oil tank needs filled and it's 30 degrees out it's gotta be done.
Even a lower interest rate would make repayment a breeze. I've been doing better with it since I was able to consolidate to fixed interest repayment loans but still a lot of what I bring in goes to debt
It'd be nice to get some kind of solution
Not freezing to death is a good reason. FFS