#debt problems

I’ve never *really* been in debt before. I had an excellent scholarship in college and got a few grants so my student loans were actually not bad. Everything else I’ve ever bought (including, to a degree, my house) I saved up enough money that I could just outright buy it, or at least put it on a credit card and pay it off by the time my bill rolled around. I’ve NEVER not paid off a credit card immediately until Sir Duncan the Asshole. 

Sometimes I feel like I was unprepared to buy a house but really, if Duncan hadn’t gotten sick (or hadn’t gotten as sick as he did), I would currently be debt-free. 

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