Let's give a warm welcome to @Marcus Perry I like him already Marcus is my middle name.

I come across people who have never been educated in credit most days, and I was one of them. Don't get me wrong I had the best parents, sadly both have passed away, but I don't remember not one thing about credit lessons growing up, except watching my mother having to purchase things we needed on lay-by, and paying them off before they incurred interest, or she lost them all together. I didn't learn anything about it at school either. When I left home, got my first job I got a lesson real quick, I filled up a credit card to the max....real quick, with unnecessary purchases. Funny I ended up with a husband who was a financial advisor, and I remember the first letter he ever saw me open was one that was "Pay now or else" 😅 Funny, not funny. He helped me understand, and now we have ensured our boys learn from home as well, but I meet people just like I was every day, and that is why this community is so helpful, the world needs more teachers on this subject, it is so easy to tap that card, but then not so easy is clearing the pain that occurs when you cant pay that bill when it arrives. Do you have a story like mine you could share that helps, your not alone, its not embarrassing you cant help not knowing what you havent been taught.

What's the next thing you are looking to pay off?

Post any side hustles you do or have done to make some extra cash. But post them as only a gif.

Money isn’t just numbers. It’s emotions. It’s habits. It’s the quiet decisions we make every single day. When you start to understand how it all works—debt, credit, cash flow—something shifts. You don’t feel trapped anymore. You start to feel… capable. Strong. Clear. Not because everything is perfect yet. But because now—you’re in it consciously. And that changes everything.