have like just under $2800 in payments for material things a $1600 loan all about $220 a month for that stuff and 3 credit cards really low amounts like my credit score was almost 700 in oct but then got greedy for debt and it fell quite a bit but i figure with rent reporting to the credit bureau and stuff I will be pretty full of it in a few months with all these debt instruments but like I thought about each one for many weeks like what is important to me and with the state of the world I wanted a good home environment so taking on some material items made sense its just funny listening to the debt show like be anti debt but for a lot of people its the only way they can afford shit and if you dont get too greedy its all manageable but like people wonder why you would do all this and is like well I just can and its my life to mess up not like I owe them $380,000 or anything I would be selling my hot hole all day to rich old grampas for $200 lol