I pay off debt as soon as my paycheck comes in, so why isn’t it going down?
Every payday, once I send the money I owe, I’m short again until the next paycheck.
Scenes
- I paid it as soon as it came in. — On payday, Minji sent her credit card payment and loan repayment first. What was left had to last until her next paycheck.
- A week later, she paid by card again. — A week later, Minji was short on grocery money, so she paid by card. Part of what she’d paid off became debt again.
- What she paid, and what she spent again — When paying down debt, I look beyond the payment amount. I also check whether there’ll be enough left for living costs after payday.
- Just write down this month’s pattern — Tonight, write down your paycheck, debt payments, and essential expenses. Seeing how long the rest will last can help you gauge what might run short before your next payday.
- You need living money while paying debt — Minji’s note now shows both her debt payment and living costs. She can keep paying down debt only after setting aside enough to get by until her next paycheck.
Stories by Haewol
- Haewol
- Thinking about a new customer base wakes me before dawn.
- Even after the funeral, I’m still unsure whether to leave the group or stay.
- Sitting in the parked car, I try not to call Mom first.
- In the hospital waiting room, she imagines welcoming new customers.
- Even while shopping, I can't bring myself to say it.
- By the rainy window, I’m unsure whether we should manage our money together.
- Even while folding laundry, I weigh whether to go into business with someone or go it alone.
- When I’m alone in my room, I wonder if it’s okay to rest today.