I just wanted to reiterate that sharing your experiences or situations with friends and family can go a long way to relieving any tension you may feel from keeping a big bad debt secret. Sure I'm paying back "good debt" but it's still a hardship and a lot of my friends are in a better place financially than I am.
Not only can they be a support system, they might surprise you with extra help (financially or otherwise) or be able to give you some advice. Since my siblings and I are all university grads with mega debt, we've forgone our birthday presents for the past 3 years. It's great.
This week, my friend V who's currently out of town left me this message:
"Hey, can you budget me in for dinner sometime round about the first week of June? Thought I'd get in there in advance to give you some planning time ;)"
How awesome is that!? It may seem a little excessive in the planning department, but it's great to have a heads up rather than a last minute $30 beer/nachos/hockey night. You should not sacrifice friendships so you can save a buck, be proactive in seeking out some ways to keep costs down.
If you're not in debt, maybe ask your struggling buddy to go for a walk, have a potluck, or check out a free museum tour.
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