<prompt> Human: Old situation: depressed with -113K in june 2012Current situation: happy with 0 net worthIn june 2012, I was depressed and unhappy in town A. I decided the first thing needed was to move to my family and friends in town B. Moved in with my parents, immediately got a nice job.At that moment, I had: 14K debt by never responding to most bills with subesequent penalty fees. It included 2500 bank account loan. 16K cost for teeth restoration 6 teeth implants plus more 83K study loanSince I had one big pile of bills, I called help from an organisation. A guy decided to help me overcoming my hurdles of opening bills. Together, we made a summary of all debt. We mailed all parties with a payment proposition, all agreed. With my 1550month income, I paid off 1400. After three months, I got a raise at my employer of about 120 to 1670. I worked for 4 days per week.At employer 1, I got three months of 1550 and 4 months of 1670.Employer 2 hired me for 2300, I started to work for 5 days. After 6 months, I got a raise to 2500. This employer also paid my health insurance 100.At employer 2, I got six months of 2300 and nineteen months of 2500.Employer 3 hired me for 3000. I am currently working for this employer for 18 months.June 2013 I paid off my 14K non-paid-bills debt. We projected 13 months, I paid it off in barely 8 months. The projection was based upon 32hour work week at my first employer. By working a day extra and getting raises, I managed to shave of 5 months :.After that, I started dental restoration, costing in total 16K of which I got 6K back from tax deductions. I saved up after that mostly. I killed 18K from my 83K student loan by finishing my studies within the 10 year maximum timeframe loan is partially gifted after successful study within 10 years. I realized this was possible 4 months before the 10 year window end. In those 4 months, I worked my ass off to deliver. 61 ECTS were made 60 ECTS is one year in those 4 months. This was meanwhile I worked 48 hours per week. Im still very proud on this achievement :In december 2015 I bought a small apartment for 75K. I saved 25K and loaned 55K. About half of the apartment is now refreshed, refurnished and rebuild. Apartments in the same block sold past month for over 100K.My student loan is currently about 60K. Loan for the apartment now is 50K, totaling the debt at about 110K.My apartment is worth 100K. Other possesions like a car and some electronics and savings are about 10K.This month, I virtually out of negative net worth. I decided to celebrate this by enrolling in a voluntary work organisation helping people get rid of their debts.I have to thank God, my parents, Ton and also Reddit for going through this successfully. Reading the storied here inspired and therefore motivated me to hang tight and focus on achieving this goal. Thanks guys!Cheers!  <response>: Great work and impressive determination! This is rare in our current over-consuming and credit-abusing society.All the best! 