My credit story right now is to pay 120 sbd to myfriend , I think before this year will end. Because he will use to withdraw all his cryptocurrency next year. This is due to my Hospital Bill that i cannot fully pay it all thats why I intend to borrow it. Nevertheless, this is the time that I will double my effort here in steemit.
About your story it is quite horrible to go on payment in monthly basis to buy a phone because they will make big "tubu" sa original price which is very "dako".
In general you do the right way, it is best to pay it all.
Have a nice day Shiela.
I know you can get through this @jaderpogi! Congrats diay! grabe makaproud kaayo mo gyud. I am praying for your fast recovery. Yaaay mupaso nagyud mo ba ma excite pud ko para ninyo :D