He really likes his job, but it only pays $21,700 a year. Last year he tried to maintain a budget, but spent $16,500 over his income, running up his cards on his past debt.
He now owes over $165,000 on his credit cards.
But he is trying and has a new austere budget, where he has cut $40.00 from his budget for next year.
Wtf is a cpf