Discover how to talk about debt with family respectfully and clearly. Personal narrative, real conversations, reactions, lessons on asking for financial help, and a practical guide to preparing for the conversation.

Learn how to negotiate debts with up to a 70% discount. Real-world, step-by-step guides, pitfalls, and a results spreadsheet by creditor.

Discover how to build an emergency fund even when you're in debt. My real-life journey to earning my first $500—strategies that worked. Free spreadsheet included.

Discover how I paid off R$47,000 in debt with a proven strategy. A free, step-by-step spreadsheet from someone who got out of the red.