Review: overtime, deposit, and getting out of debt

My name is Marcin, I'm 45 years old, and I live in Gdańsk. I work in a warehouse at a logistics company — receiving and sorting goods for online stores. The job is simple in principle but physically hard and exhausting in pace. I live alone in a rented flat, and for a long time that solitude even felt convenient.

Things started falling apart almost unnoticed. First they cut shifts — “temporarily, for optimisation”. Then they removed part of the night-shift bonuses. I didn't take it seriously at first: I thought I'd ride it out. But after a couple of months my income became so unstable that for the first time I had to choose — pay rent or cover the car loan.

I started saving on everything. I switched to the cheapest groceries, heated the flat less than before, and kept counting money on my phone as if that could change anything. The worst part wasn't that — it was the feeling I was always slightly behind my own life.

One night I came back from a shift and found a notice in the mailbox about a possible loan overdue. I sat on the stairwell and stared at one spot for a long time. That was the first time I thought that if this continued — I wouldn't make it.

If I didn't act now — everything could end very badly.

The next day the warehouse system failed. Because of the outage and a backlog of orders I stayed two to three hours after shift almost every day for nearly a month. It was brutal, I got home in the dark, but at month-end my payslip showed almost 1,500 zł more than usual. I realised I had to act — so I didn't spend the overtime on urgent bills; I put it on a BitQT deposit and started investing little by little. Surprisingly, it started bringing profit quite quickly.

The extra money didn't fix everything at once, but for the first time in ages it let me act instead of just putting out fires. I cleared the overdue loan payment the bank kept reminding me about. Then I paid the utilities debt I'd been postponing for months. After that I started setting aside at least small amounts from withdrawals so I wouldn't reach for the credit card on every surprise expense.

Gradually the debts disappeared, the anxious bank messages stopped, and I finally had a small financial cushion. Now I'm no longer living paycheck to paycheck and can look ahead without dreading every new bill or call from the bank.