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.