My daily life with a 350,000 yen take-home salary, 250,000 yen monthly repayments, and 7.5 million yen in debt.

The reality of 7.5 million yen in debt begins in the morning.

6:00 AM.

I wake up before the alarm goes off.

My sleep is shallow.

Somewhere in my head, numbers are always floating around.

7.5 million yen.

I pick up my smartphone.

Unconsciously, I open the credit card company's app.

Every time I see the balance that hasn't decreased, my chest feels a little heavier.

But I don't look away.

Because this is who I am right now.

—

7:00 AM.

I change into my suit.

Reflected in the mirror is an ordinary office worker, the kind you see everywhere.

But the number I'm carrying is 7.5 million yen.

None of my colleagues know.

At work, I laugh normally.

I work normally.

I act normally.

But inside, I'm not normal at all.

—

12:00 PM.

My colleagues go out for lunch.

A 1,500 yen set meal in Marunouchi or Hibiya.

I have two rice balls from a convenience store.

A total of 300 yen.

I used to go out for 10,000 yen dinners without a second thought.

Now I calculate every 300 yen.

When asked, "Are you saving money?"

I just laugh it off.

—

7:00 PM.

Back home.

I don't eat out.

I cook for myself.

After dinner, I study English or go for a run.

The time spent on language learning and training is the only time I can forget that I am a heavy debtor and focus.

Lately, I open my household account app every day.

This month's repayment amount: 250,000 yen.

Take-home pay: 350,000 yen.

Over 70% of my take-home pay disappears into debt.

I live on the remaining 100,000 yen or so.

There is no room for luxury.

But it's not zero.

—

11:00 PM.

I get into bed.

I think while looking at the ceiling.

"How many more years will this last?"

There is anxiety.

There is regret.

But I decided not to run away.

I created this debt.

So, I will be the one to end it.

—

This isn't a special story.

It's the story of an ordinary office worker you can find anywhere.

It's just that the number I'm carrying is a bit large.

But,

until the day this 7.5 million yen
becomes "proof that I rebuilt my life."

I will keep writing.

I will record the entire process from 7.5 million yen in debt to full repayment,
honestly and completely.

If you are even a little curious about what happens next,
I would be happy if you followed me and watched over my journey.

Next time,

I will write about "concrete measures I am seriously considering to reduce my debt."