Reality
Ah, it's that time again - distant friends with constant money problems time. Kyn's still on the ropes without a job. He started off the week learning his renter's insurance is auto-billing to an account he opened before leaving Washington which is now overdrawn close to $60, to only get worse every day. Urgh. I sent some money and advised him to close the account and get the automatic billing changed elsewhere or stopped outright, whatever is appropriate. And Kit's in a tizzy over a credit card which... I don't have all the details on. Somehow he owes $2900 on it, was expecting to pay 2% of the balance per month, but ended up being charged 5% of the balance instead? Either way, that's a horrible way to float some debt and accrue interest charges on the balance, no doubt. Somehow he didn't even see this as a problem beforehand, which is what really baffles me. It's just... facepalm-worthy. Oh, but I'm sure he still wants to spend the money to g