@Ken Brown is our newest Avenger. The all give him a warm welcome.

Where curiosity meets courage and debt meets its match. Hey Avengers, I'm John Pogue, the Credit Avenger himself - a Navy Veteran, lifelong problem-solver, and your coach-next-door on a mission to help everyday people defeat debt and reclaim their financial power. This community is for people who are done feeling trapped by money and ready to fight back with knowledge, strategy, and support. What We Do Here: Learn how to fix credit and crush debt using the Debt Snowball System Get real-world advice without the fluff or guilt Share wins, challenges, and tools that actually work Build a mindset of freedom, accountability, and progress This isn't just another credit group. It's a movement - built on community, curiosity, and courage. You're not alone. You're an Avenger now.

I changed up the graphics to match my Zoom. What do Y'all think?

Let's call free trials what they really are: a test of your attention span. The product might be "free," but the business model is simple: Hope you forget->Auto-charge your card->Collect quiet money. As a former debt collector, I can tell you this with confidence: A shocking number of balances start with “I forgot to cancel." Let's shut that down. The Credit Avenger Rules of Free Trials Rule #1: Decide before you sign up. If you already know you won't pay for it next month. Treat the trial like a rental, not a relationship. Falling in love with a service you can't afford is how budgets get wrecked. Rule #2: Cancel immediately (if allowed). Some services allow you to cancel immediately and still use the full trial. Others cut you off instantly. Before you click "Cancel," check: - "Access until the end of the trial?" - "Ends immediately?" - Read first. Click second. Rule #3: Use friction against them. Companies build friction to keep you paying. You can flip the script: Set 2 reminders• One 3 days before• One 24 hours before. Use virtual cards. One-time numbers or short expiration dates: surprise charges are blocked. Watch for pre-authorizations. Pending charges during trials are standard. They're testing your card, not charging you… yet. The Silent Gotcha Most People Miss? Some companies require cancellation 1–2 days BEFORE the trial ends. Miss that window? Charged, Budget annoyed, you frustrated. Always read the cancellation policy on Day 1, not Day 14. Tip: Always look for the confirmation email. No email = not canceled. Credit Avenger Bottom Line: Free trials aren't dangerous. Forgetting is. If you control: - timing - reminders - cancellation steps Then free trials work for you, not against you. Community check-in: What's the most annoying subscription you've ever forgotten to cancel?

There has to be a plan. It needs to be written down. It should be a constant/daily reminder of what you plan to achieve. What specific debt goals do you have? What monthly actions do you need to take? What daily actions will support that? Who is holding you accountable? Let's go 2026 Debt Snowball! Juan