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romyvandenheuvel143
romyvandenheuvel143
· 10 Dec 2021
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Wat is er nu eigenlijk allemaal gebeurd?


Intro
Zoals belooft zou ik jullie als eerst vertellen waardoor het nu komt dat ik ontzettend veel moet afbetalen. Het heeft even geduurd maar in deze post word hoop ik voor jullie alles duidelijk!

Werken en niet werken.
Het is allemaal begonnen toen ik net 18 jaar was ik kreeg rekeningen die ik moest betalen net als iedereen die 18 word. Helaas was werken voor mij iets dat niet altijd even goed ging, dan had ik wel een baan en dan niet. Wanneer ik een baan had ging alles goed kon ik alles betalen en was het prima, op momenten dat ik geen baan had ging het fout ik betaalde me rekeningen niet want Er kwam geen inkomen binnen.

De eerste stap die ik gezet heb?
Het eerste wat ik gedaan heb is rood staan aanzetten op mijn bankrekening, dit begon met 500 euro in de min kunnen staan ik betaalde me rekeningen hier mee zodat ik daarbij niet achter zou lopen. Dit zou en moest ook de enige reden zijn dat ik in het rood kon staan. Ondertussen ging ik hard opzoek naar een baan zodat ik alles zelf kon doen. Voor mij gevoel ging dit niet snel genoeg. Ik wilde namelijk dingen kopen voor mezelf zoals ik altijd deed en ja hoor ik kwam steeds verder in de min. Toen ik had bedrag van 500 euro had bereikt koos ik ervoor om er 1000euro van te maken en toch ging ik maar door met dingetjes kopen. Ik had ondertussen al wel weer een baan maar verdiende hier niet genoeg om en de 1000euro weg te werken en rekeningen te betalen.

Ik raakte bekent met klarna achterafbetalen.
Op het moment dat ik klarna tegen kwam dacht ja dit moet ik hebben ik bestelde en bestelde zonder dat ik eigenlijk had bedacht dat ik ook gewoon nog binnen en bepaalde tijd terug moest dus ook hier liep ik achter.

Het kwartje viel en ik moet er iets aan gaan doen!
Papa en mama wilde graag is op mijn rekening kijken hoe ik het allemaal deed of ik alles netjes betaalde of niet. Hun wist toen nog niet dat ik er zo groot probleem van had gemaakt. Toen zij dit zagen hebben we een ontzettend lang gesprek gehad ze waren niet boos maar er moest zeker iets veranderen, hier was ik het mee eens en nu nog altijd zo ben ik begonnen met het afbetalen van dingen.

Afsluitend.
Zoals ik in mijn vorige blog al aangaf wil ik dit graag met jullie delen hoe ik alles doe wat ik moet betalen en wat al betaald is. Mijn volgende blog zal dus ook een overzicht zijn van wat het allemaal nog is. Ik hoop dat het zo een beetje duidelijk is en dat er mensen die dit ook hebben of hadden weten dat ze niet alleen staan.
Liefs Romy

#hetheleverhaal
#fout
#leervanjefouten
#ooitkomthetgoed

  • Comments (45)
Babita de Boer
I'm really curious about your next post. I was in the same situation as you. Klarna is a bitchy XD
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nilson
a life lesson that unfortunately you have to live to think about how to handle expenses and spend your savings on what is necessary
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Dewaputra
With all the possibilities of red,standing, credit and post-payment, you are indeed building up a big debt unnoticed and before you know it you will be in deep trouble. There should be better information to avoid misery.
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romyvandenheuvel143
@Dewaputra indd and miss is what I'm going to say is not necessary but is it smart to be able to do something like this from 18. This is the first moment you have to start paying for things yourself (you're going into the big people world) wouldn't it be better if this is from 21?
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Live_love_laugh
It's not always easy, for everyone, I understand. it helps to write down your income and expenses
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romyvandenheuvel143
@Live_love_laugh I learned that indd, so I can better keep track of what goes in and what goes out, but also if there are things I can reduce
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Rudy Siedlecki 🌳
The banks charge high interest in borrowing your money and are currently not giving interest on your savings. It's not charities. And if they get into trouble, then the taxpayer must match them up as in 2008.
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Alberto
Eh, from personal experience, I tell you to be careful with such things, a lot of times you can get into a lot of debt.
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romyvandenheuvel143
@Alberto that's definitely right and I'm going to pay better attention to it
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Zeljka
Looking forward to your next post where you will explain a bit more. Money- it never comes easy, but just keep on trying and something does work out in the end.
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romyvandenheuvel143
@Zeljka money is certainly not easy, unfortunately, there is a lot to learn.
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Daniel
After turning 18, I decided to write everything down in one kind of agenda. It's very useful so you can keep track of it better.
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romyvandenheuvel143
@Daniel I started with that, too, works very well, I must say.
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Alfred
In general, it is never easy to generate income, but to keep a better record of everything you can write it down in a notebook
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Carmen Vidal
Hello, I congratulate you sharing your experience with others, it is a help for other young people. When you're young, you're irreverent, but the important thing is that in the end we reflect and do the right thing.
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Leo 1
A very argument. What I can't imagine is buying stuff when you know you shouldn't actually. In other words: do you have a buy addiction? Because this is still happening today, especially among young people.
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romyvandenheuvel143
@Leo 1 quite honest, a buying loss could certainly be. The moment I buy something for myself, like a nice piece of clothing, that is a nice feeling and afterwards I wonder, was it needs more value.? So I'm busy with when I'm in the store with all those... Show more
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devian
Go bills and more bills sometimes I think we're slaves to debts when we mismanage money
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Juli.carmen
It's not easy what you're living through, but I think there are other ways to move forward and be able to keep up with your payments without getting into so much trouble.
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Ingeborgenzwerm
Wanted a very nice evening. What an admiration I have for your openness and being honest about such a sensitive matter.
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romyvandenheuvel143
@Ingeborgenzwerm thank you, it's a tricky topic that few people talk about, but I'm convinced that talking about it will make it a lot easier.
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Franco Mendoza Photo
Being an adult is not easy, not only parents but education itself in schools should teach them how to manage their budgets and find alternative income while preparing for life itself
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Gustavo Perez
A good way is to maintain control of our economy in what we pay, what we need, and what is sometimes not so necessary for us.
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Vlindertje73
Yes, I regularly make an overview of my expenses. I even made an overview per week in Excel, with formulas, so I see exactly what I spend how much on. I have divided this into household, dog/cat/ care/ home/garden and groceries and clothing.
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GMVDMinimalism
Good thing you're open about it, I run a social institution and without asking for help and being open no one can help you. Good luck!
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romyvandenheuvel143
@GMVDMinimalism no right, since I ask for help from others things are getting better and better
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Carolina.kat
Running finances is a fun thing for me, although at first overwhelming, but after a while you get used to it and it helps to see where your money is running away.
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enigma
You must build up debts a little unnoticed. You always think that a windfall will come your way. Not spending what you don't have yet is the message.
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Marc
My lessons in all the years that have passed is that it is finally much better to save long for those things or things that you really need. Everything else is purely wasted and really not necessary.
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naf1971naf
as you put everything in the right place it should go, you can have control and mastery of what you can do and what you can't do
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Encaustichris
How incredibly tough that you write about it so openly! I'm sure you're not the only one who happens this, and you're helping people with it. Doing well!
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romyvandenheuvel143
@Encaustichris thank you, no, I will not be the only one, unfortunately, I am convinced that there is too little talk about it. As if debt and taboo would be?
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More replies (1)

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