I think one of the most frustrating things about my job is the amount of money I have to churn through the expense report process on a monthly basis.

In my job I’m constantly traveling to meetings, edit sessions and photo shoots (not really as glamorous as you would assume) and each time I do something like that it’s about $20-$30 bucks for parking, etc…

The expense report turnaround where I work is painfully slow and since I don’t want it to dent my monthly cash availability I use a credit card.

This is just a rant and there’s really no point other than to say I hate being forced to use my credit card – it just makes paying down the debt seem that much tougher.

Oh well…

One of the many horrible things about living paycheck-to-paycheck when you’re in your 20′s is being handcuffed by debt. What I mean by that is that I don’t feel that I have as many “life options” as I would without my credit card debt.

The company that I work for is going through a tough time – in fact, they have been since I’ve been here (but that’s another story all together). A few people have been laid off, while others have left on their own. But I remain, partly because I feel a slight sense of loyalty towards my company (which is reduced with each passing day) and partly because I don’t know what I want to do next.

I could easily search for and get another job within my industry, but that would just provide another paycheck, maybe higher, but still just a way to make money to keep my head above water each month.

Maybe I’m just being dramatic of using excuses, but I can’t help but feeling that if I didn’t have debt, or at least as much of it, I would be able to step back and decide what I want to do with the next XX years of my life, rather than how am I going to make rent next month.

Debt robs more than money from your future. You can’t calculate missed opportunities.