Category

Debt management

Debt management is about getting control back. Debt is not just math, it is stress, decisions, and habits that stack up over time.

This section covers payoff strategies like snowball and avalanche, negotiation basics, consolidation options, and how to avoid teaching yourself the wrong lessons while you pay things down. We also cover creating a plan that still leaves room for life, so you do not quit halfway.

You will find guidance on credit card debt, personal loans, and student loans, plus what to do if you feel behind. The goal is steady progress, fewer fees, and a clean path back to freedom.