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Right about moving to a smaller place in a more expensive area. Hadn't thought of that.
I do think feeling "entitled" to anything in this life is a big mistake, rather, a cognitive failure.
Do the right thing and get out of debt before you move. What's the point of living in a nicer area if you can barely afford to pay your bills and have no extra money to spend on entertainment, etc?
If I did this move, the rent and expenses would equal out in both places; however, the moving itself will cost me and that would be "borrowed" but it's a 30 mile or so move. It will probably cost about $1,000, but I didn't think ahead to save for it. The old habit is to charge it. I know this isn't right, but this is my thinking pattern, unfortunately. i've always made justifications for things that I consider this important--that was probably wrong. I think I need Debtors Anon!
Just move. You are going to do it anyway despite what this forum said. You came here looking for validation/reassurance but didn't get it and I think you'll dig yourself deeper in debt no matter what. I suspect a new thread next year with a similar dilemma. Moving is not the key to happiness.
Just move. You are going to do it anyway despite what this forum said. You came here looking for validation/reassurance but didn't get it and I think you'll dig yourself deeper in debt no matter what. I suspect a new thread next year with a similar dilemma. Moving is not the key to happiness.
That's it...
"Well, it's OK to dig deeper for X."
"Well, it's OK to dig deeper for Y."
Etc etc.
It's called a pattern.
But the OP doesn't want to break it and won't do better until he does.
MaseMan, it could be 2 years before I get out of debt. At the same time, I'm getting older. My expenses, in terms of rent, would be equal. Thanks.
Yes, you're getting older. That's why you need to get out of debt. Debt becomes a heavier and heavier burden the older you get. Many people don't grasp that, and let the years slip away, discovering too late what a disaster it is to go into the second half of your life with a negative, rather than a positive, net worth. Everything in your life becomes exponentially harder.
It seems you're the type of person who wants to give yourself what you want, whether you can really afford it or not. That's why you have all this debt in the first place. You know it isn't right to take on the expenses of an unnecessary move while you're still in debt, or you wouldn't have even asked the question here. But you're trying your best to rationalize once again doing what you want over what you need to do, with the result being the perpetuation and growth of your debt.
You can do what you want, since you have to live with the consequences. But you'd be better if you forced yourself to achieve a measurable goal before rewarding yourself with a better place. Otherwise, you're going to just be pushing the snowball up the hill your whole life, and it will get harder and harder to watch the people who saved skate down the hill with their growing snowball while you have to keep pushing yours up.
Thanks Dazzleman and other posters. Again, the rent and expenses in both places, old and new, would equal out and I have the security deposit from a recent tax refund; however, moves do cost money. It is an "unncessary move". I probably will not move and make the debt a priority. A friend of mine thinks I am so used to living with a large amount of debt, that I don't realize the full impact it has. (the amount of debt being $29,000).
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