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Rain lashed against my apartment windows as I stared at the digital carnage on my screen - seven overdue notifications blinking like warning lights. My electricity provider's red text screamed "DISCONNECTION IN 48 HOURS." I'd been juggling payment dates between three banking apps, yet still managed to miss deadlines. That familiar acid taste of financial shame rose in my throat when my phone buzzed with another alert: mobile service suspension. In that damp, dim-lit room, I finally broke. Finger

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