Category: Debt & Credit Management

The truth about paying off debt over the long term? It’s exhausting. It’s not the quick wins or the immediate rewards you might be used to with other goals. It’s a slow, steady grind that can feel like it takes forever. Some days, it’s hard to remember why you’re doing it. Some weeks, you want…

The truth about paying off debt? It’s rarely a straight line. In fact, it’s more like a winding road with some potholes, unexpected detours, and the occasional sharp turn you didn’t see coming. And every once in a while, you fall off track. Maybe it’s a spontaneous trip, an emergency, or—more often than not—just plain…

The first time I told someone I couldn’t afford something, I didn’t even use those words. I said, “I’m laying low this month.” Or “I’ve got some other stuff going on.” I danced around the truth like it was embarrassing. Because the truth was—I was trying to get out of debt. And saying “I can’t…

There’s a weird phase in any debt payoff journey that doesn’t get talked about enough—the middle. Not the beginning, where you feel fired up and ready to change your life. Not the end, where you’re about to cross the finish line with a zero balance and a dramatic before-and-after story. I’m talking about the middle…

There are some things that feel harder to say out loud once you’re past a certain age, and “I’m still in debt” is one of them. I don’t mean a mortgage or a car note—those get a weird societal pass. I’m talking about credit cards that never seem to go away. A lingering balance from…