u/Bedolaga114

I never thought I’d write something like this, but I guess I need to be honest.

I work a full-time 5/2 job, and recently I started studying IT because I want to build a better future for myself. At the same time, I have my dream car — a BMW X5 50i (F15). I truly love this car. I take care of it as much as I can, even though I don’t have much money to spare.

The biggest mistake I’ve ever made was taking out loans.

Today I have about **$25,800 (2,000,000 RUB)** in total debt. Every month I pay around **$775 (60,000 RUB)** just to cover my loan payments, while my monthly salary is only about **$1,290 (100,000 RUB)**.

Looking back, I honestly don’t even know why I took those loans. Mostly just to live, to buy things I thought I needed, without really thinking about the consequences. It was one of the dumbest financial decisions I’ve ever made.

If you’re reading this and thinking about taking out a loan for things you don’t truly need, please learn from my mistake. Don’t do it. Debt can quietly become a huge burden before you even realize what’s happening.

Even though I’m working full-time and trying to improve my life by learning IT, things have become really hard lately. I’m saving money on almost everything just to make it through each month.

I’ve reached the point where I’m seriously considering selling my BMW. The thought breaks my heart because I genuinely love that car, and I’ve always tried to take good care of it despite my limited budget. But sometimes life forces you to make difficult choices.

I’m not writing this to ask for sympathy. I’m writing because I know there are people here with more life experience than me.

If you were in my situation, what would you do?

Would you sell the car?
Would you keep fighting and try to increase your income?
Or is there another way that I’m not seeing?

Any honest advice would mean a lot to me.

And if there’s one thing I’ve learned from all of this, it’s that financial mistakes can take years to fix. Think carefully before borrowing money. I wish someone had told me that sooner.

I never thought I’d write something like this, but I guess I need to be honest.
I work a full-time 5/2 job, and recently I started studying IT because I want to build a better future for myself. At the same time, I have my dream car — a BMW X5 50i (F15). I truly love this car. I take care of it as much as I can, even though I don’t have much money to spare.
The biggest mistake I’ve ever made was taking out loans.
Today I have about $25,800 (2,000,000 RUB) in total debt. Every month I pay around $775 (60,000 RUB) just to cover my loan payments, while my monthly salary is only about $1,290 (100,000 RUB).
Looking back, I honestly don’t even know why I took those loans. Mostly just to live, to buy things I thought I needed, without really thinking about the consequences. It was one of the dumbest financial decisions I’ve ever made.
If you’re reading this and thinking about taking out a loan for things you don’t truly need, please learn from my mistake. Don’t do it. Debt can quietly become a huge burden before you even realize what’s happening.
Even though I’m working full-time and trying to improve my life by learning IT, things have become really hard lately. I’m saving money on almost everything just to make it through each month.
I’ve reached the point where I’m seriously considering selling my BMW. The thought breaks my heart because I genuinely love that car, and I’ve always tried to take good care of it despite my limited budget. But sometimes life forces you to make difficult choices.
I’m not writing this to ask for sympathy. I’m writing because I know there are people here with more life experience than me.
If you were in my situation, what would you do?
Would you sell the car?
Would you keep fighting and try to increase your income?
Or is there another way that I’m not seeing?
Any honest advice would mean a lot to me.
And if there’s one thing I’ve learned from all of this, it’s that financial mistakes can take years to fix. Think carefully before borrowing money. I wish someone had told me that sooner.

I never thought I’d write something like this, but I guess I need to be honest.

I work a full-time 5/2 job, and recently I started studying IT because I want to build a better future for myself. At the same time, I have my dream car — a BMW X5 50i (F15). I truly love this car. I take care of it as much as I can, even though I don’t have much money to spare.

The biggest mistake I’ve ever made was taking out loans.

Today I have about $25,800 (2,000,000 RUB) in total debt. Every month I pay around $775 (60,000 RUB) just to cover my loan payments, while my monthly salary is only about $1,290 (100,000 RUB).

Looking back, I honestly don’t even know why I took those loans. Mostly just to live, to buy things I thought I needed, without really thinking about the consequences. It was one of the dumbest financial decisions I’ve ever made.

If you’re reading this and thinking about taking out a loan for things you don’t truly need, please learn from my mistake. Don’t do it. Debt can quietly become a huge burden before you even realize what’s happening.

Even though I’m working full-time and trying to improve my life by learning IT, things have become really hard lately. I’m saving money on almost everything just to make it through each month.

I’ve reached the point where I’m seriously considering selling my BMW. The thought breaks my heart because I genuinely love that car, and I’ve always tried to take good care of it despite my limited budget. But sometimes life forces you to make difficult choices.

I’m not writing this to ask for sympathy. I’m writing because I know there are people here with more life experience than me.

If you were in my situation, what would you do?

Would you sell the car?
Would you keep fighting and try to increase your income?
Or is there another way that I’m not seeing?

Any honest advice would mean a lot to me.

And if there’s one thing I’ve learned from all of this, it’s that financial mistakes can take years to fix. Think carefully before borrowing money. I wish someone had told me that sooner.