Back to Three years ago, I had $35,000 in credit card debt and only $200 in my savings account. I cried every time I checked my bank balance.
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A cozy bedroom corner with unmade bed and morning light. realistic smartphone photography, natural lighting, candid everyday moments, authentic lifestyle photography, high quality mobile camera shot, natural colors, casual aesthetic, real life moments, unfiltered authentic style, contemporary lifestyle, no artificial staging
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A cozy bedroom corner with unmade bed and morning light. realistic smartphone photography, natural lighting, candid everyday moments, authentic lifestyle photography, high quality mobile camera shot, natural colors, casual aesthetic, real life moments, unfiltered authentic style, contemporary lifestyle, no artificial staging

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Instead of trying to fix everything at once, I focused on the 'avalanche method.' I listed all my debts from the highest interest rate to the lowest. My biggest enemy? A credit card with a 24% interest rate.

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