S3_E21 Practically debt-free: how to pay debt without losing your joy.

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:

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

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

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

• How to cut spending without killing your joy

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

Resources:

• Download the FREE Debt Clarity Worksheet

• Join the Happy Honeys Facebook Group

• Check out the Spend Cleanse and upcoming Debt Destruction course

• 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.”

Subscribe & Share: 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.