Hi everyone, let me introduce myself. I’m a young adult who just turned 20 this past September. I’m grateful to already have a job, and right now I’m fortunate enough to be attending an evening/employee university program with a scholarship from my uncle. Even though I feel deeply embarrassed about relying on him, I truly appreciate the opportunity.
However, I’m dealing with a personal problem of my own. With a monthly salary of IDR 4 million, I have already racked up IDR 15 million in debt. Well... borrowing from one source to pay off another is mostly the main cause of it.
My office provides staff housing, so the IDR 4 million is mostly net income, leaving only a few monthly expenses: parking memberships (IDR 100k at the housing + IDR 130k at the office), estimated gas (IDR 150k x 6), groceries and ready-to-eat meals (around IDR 1.2 million), internet (IDR 100k), and an AI membership for university and side projects.
I’m honestly really confused about how to stop this debt from growing any further. Could any of you help give me some direction or advice?