[My First Note] A Story That Started With Getting Things in Order

— 2 Million Yen in Debt, Heartbreak, and Small Habits —

Table of Contents

1. The Reality of 2 Million Yen in Debt

2. The Day After Christmas

3. What I Wrote in My Notebook

4. A System for Debt Repayment and Savings

5. Four Months of Weight Loss and Strength Training

6. Habits That Still Continue Today

7. The Feeling of Still Being in the Middle of the Journey

1. The Reality of 2 Million Yen in Debt

Low educational background.

No qualifications.

Over 2 million yen in debt.
(1.2 million in student loans)
(Over 800,000 in consumer finance)
(Credit-related)

Even so, my daily life continued as usual.

I love to eat, and I'm serious about my hobbies.

I have no hesitation when it comes to the fun right in front of me,

but I put off my anxiety about the future a little.

Even though I'm the one with the least to spare,

I pay a little extra at the register.

I think I just wanted to be seen as someone who has their act together.

2. The day after Christmas

At the time, I was seeing someone.

But after about two months of distance,

the atmosphere became quiet.

As a result of being impatient and expressing my feelings too strongly,

this is what I was told.

If you can't save 1 million yen by the end of 2026, I can't see a future with you.

And then,

the day after Christmas in 2025, we broke up.

Later, I found out that there was someone else before we broke up.

That event

became the catalyst for me to get my life back in order.

3. What I wrote in my notebook

Before blaming anyone,

I opened my notebook

10 minutes every day.

・How I felt that day

・Money I spent

・Actions I chose

As I wrote, I began to see my own tendencies.

I spend when I feel anxious.

I come on too strong when I'm impatient.

I try to act older than I am when I'm lonely.

Humans are creatures that sway.

That is precisely why I get things in order.

4. Debt Repayment and Savings Mechanism

I wrote down all the numbers for the debt I had been running away from.

The total amount.

The interest.

The monthly repayment amount.

What I did was simple.

・Hardly use credit cards

・Pay off the ones with the highest interest first

・Save even a small amount

Just by stopping the use of credit cards,

my payments have definitely decreased.

I put the extra money toward repayments.

When the numbers were in order, my feelings were in order too.

5. Four months of weight loss and strength training

Started strength training in earnest from October.

I also started losing weight.

81.5kg → 73.8kg (-7.7kg)

Not every day goes smoothly.

But I get things in order again the next day.

Debt and body weight are the same.

They don't change overnight.

But if you don't quit, things will move.

Even now, weight loss and adjustments are continuing.

6. Habits that are still continuing

Every morning, hot water.

Followed by a cold shower.

At night, journaling.

Debt repayment, strength training, and weight loss too.

Everything is still a work in progress.

7. The feeling of being a work in progress

My life hasn't changed dramatically.

But I am calmer than before.

It's not that I've become stronger,

I just know how to recover when I'm shaken.

It was a long way around.

But because I learned how to tidy things up,

it wasn't a bad detour.

I'm tidying up a little bit today, too.

For now, that is enough.

#2MillionDebt

#DebtRepayment

#1MillionSavings

#Heartbreak

#HabitFormation

#SelfAnalysis

#StrengthTraining

#WeightLoss

#JournalingHabit

#TidyLiving