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Joined 1 year ago
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Cake day: July 16th, 2023

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    • Bought a stacked townhouse 3bed/1bath in May 2022. Peak market - paid high price.
    • Was single when purchased - went through a phase of depression. Didn’t have the mind-space to rent out the other room(s)/ share space with anyone. 1 bedroom remains untouched.
    • fast forward July 2023. Interests rates up by 43.7% since May 2022. Half my pay goes to mortgage.
    • fundamental problem: lacking seriousness about personal finance.

    How do I get out of this state of mind and get serious about taking accountability with personal finance.