These two phobias relate to me as well. I can't even imagine being in a situation where I don't have a penny to sort out my needs. Nor do I wish to owe anyone a kobo. It's either I buy it with my money or leave it.
#Dreemerforlife.
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It's very understandable oooo. These sort of finance related Phobias are the ones that hits us hard and it's even worse in a country like ours. We just have to keep doing our best to improve our finances while making sure that we won't unnecessarily incure debt.