Description:

In this empowering episode of My Happy Money Journey, Phoebe gets raw and real about debt—and how to break free from it without sacrificing your sanity, dignity, or your weekly catch-up with the girls.

We’re talking credit cards, buy-now-pay-later traps, personal loans, and the sneaky shame that rides shotgun with them. If you’ve ever shoved a credit card bill in a drawer and hoped for the best—this one’s for you.

You’ll learn:

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  Why debt is not a character flaw (and you’re not broken)

  
  


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  The #1 thing to do before you pay off a single cent

  
  


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  Avalanche vs. Snowball strategies—and how to pick what suits YOU

  
  


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  How to cut spending without killing your joy

  
  


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  Why a financial safety net is your best defence against falling back in

  
  

Resources:

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  Download the FREE Debt Clarity Worksheet

  
  


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  Join the Happy Honeys Facebook Group

  
  


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  Check out the Spend Cleanse and upcoming Debt Destruction course

  
  


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  Listen to last week’s guest Bonnie Lee on EFT for financial healing

  
  

Quote of the Episode:

“Debt is not your personality—it’s just a situation. And it’s one we can handle, together.”

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If this episode helped you feel more empowered around money, share it with a woman who needs it. Debt is temporary. You are a force of nature.