Chapter 1

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First Time Homeowner





Alaynah did it!

Alaynah Thorne did it!

It took her 10 years of exams and drowning in debt, to finally be debt-free, with a great credit score, and to have bought her very own first home.

She spun on her heels like a child in her living room, and fell to the ground dizzy with a laugh.
She felt like she had just won the Oscars, and she had a long list of people to thank.

Foremost, she wanted to thank her supportive family and friends. When she was at the dorms, her friends stayed up with her late into the night until she turned off the light to go to bed, or just in case she needed a hug, or shoulder to cry on.

And her parents would always be ready with a coffee on her late nights of studying when she went back home for break. And when Alaynah was back in school, her mom would drive over two hours in the mornings sometimes, to drop off mackerel, fritters, and fried dumplings with fresh strawberry jam to her dorm.

So as a daughter and a friend, who had debt up to her eyeballs the most she could do to show she was thankful for their support was to study and become a doctor.

Not only did she snag a full-ride scholarship to Columbia University, after her bachelor's, she got accepted into their med school, which had an acceptance rate of 12 percent!

When she started Med School, she had been working at the same 24-hour coffee shop for the first four years of school, she was actually the senior manager, so for the next four years of med school, she worked overtime at the shop.

Almost every class, she had about an hour and a half of free time, so she would head to the cafe which was on campus, and work before leaving and heading to the next class.

Once Alaynah graduated med school she started her residency at Columbia's Medical Center, and that's when she finally started getting paid. Finally she could buy her friends and family gifts that she truly wanted to give them, without worrying if she too behind on payments.

But, Alaynahs health had finally caught up to her, one day she passed out at the cafe, it was nothing serious. But this was Alaynah Thorne, who downplays everything. Ultimately, her boss told her to quit, while she would be missed my the staff, no one wanted her to stroke out.

It was sad to leave, but with the new flow of money coming in, she didn't get too down. Alaynah was now, finally, able to move out of her dorm, and into her new apartment with her best friends as roommates.

However, it took much arguing with her parents, who were Caribbean, they were very conservative about things like that. But finally, they agreed to not only let her move out, but to stop giving her an allowance which was a big deal for their daughter.

Even though Alaynah was grateful to have such amazing parents, she felt bad, her parents lived in Baltimore and sometimes living there was  almost expensive as New York sometimes. She wanted them to save. Truly save.

By the end of her second year of residency, she had around thirty thousand dollars left in debt. One could only imagine how she felt in her third year of residency, almost six months in, she began to start putting money into her savings.

Today now marked her first year as a doctor, and the only bill she was paying was her mortgage and car note. 10 years of absolute pain, but she was loving her results.

Alaynah decided to look through her home again, before sitting on the floor of the master bedroom. "I have a master bedroom!" She squealed as she kicked her feet up in the air like a child.

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