If debt is keeping you up at night, you're not being dramatic. You're being human.
That late-night ceiling stare isn't insomnia. It's an unwanted math class. Balances replay like reruns. Due dates sneak in like jump scares at 2 a.m. Interest turns into the villain of the story. Quiet room, loud numbers.
Here's the truth most people miss:
You don't need a perfect master plan.
You don't need a sudden raise.
You don't need to become a spreadsheet wizard overnight.
You just need a starting move.
One list.
One smallest balance.
One extra payment.
One clear target.
Momentum beats perfection every time.
Tonight's Credit Avenger mission:
✅ Write down all your debts
✅ Order them smallest to largest
✅ Pick the first one to eliminate
✅ Take one action this week toward it
Small wins are how giants fall.
Drop a "NO MORE!" in the comments if you're ready to put your debt on a sleep schedule and take back your nights.