But when the demands for payment start to exceed your ability to meet them, things go south pretty quickly.
In 2020 a lot of people will have ramped up debt, incomes suddenly down sharply, but outgoings no different.
How do you get out of a hole than can quickly be tens of thousands of dollars deep?
Auckland woman Sandra has been there. And with help, not a Lotto win or a handout, she got free.
She's bravely agreed to tell us her story.
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