Debt

January arrives and suddenly everyone is talking about “more.” More money. More success. More upgrades. More everything. But what if this year doesn’t come with a pay rise, a promotion, or a surprise inheritance from a long-lost relative? What if your income looks exactly the same as it did last year? Here’s the good news, you don’t need more money to start changing your financial story. You need a better strategy. One of the biggest myths in personal finance is that progress

Let’s talk about it!! Not the Instagram filtered, “I got this” version, but the real stuff. The missed payments. The panic when a letter lands. The quietly added Klarna basket. The secret store card you hope no one finds out about. If this is you, please hear me, you are not alone, and you are not a failure. We’re In a Debt Crisis and Nobody Taught Us How to Handle It Here’s a hard truth: most of us were never taught how to handle money, let alone manage debt. No school les