Blog
Practical posts, templates, scripts, and experiments. No motivational foam.
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Exactly what to say when asking for a lower APR, hardship options, or fee waivers—plus what to do when they say no.
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Why minimum payments keep you stuck, plus a simple calculator method to spot the fastest exit path.
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A realistic budgeting system for when you’re behind on bills and minimums. Includes a simple weekly flow and a triage order.
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A numbers-first system for turning minimum payments into momentum—stabilize cashflow, control your debt, and build sustainable progress.
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A practical method to estimate Uber take-home after gas, taxes, and vehicle costs. Built for decisions, not vibes.
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The simple weekly dashboard I use to get ahead: minimums, buffer, due dates, and one priority move. Built for real life, not perfect budgets.
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Why statement dates control reporting and interest timing, and how to use them for quick wins when cash is tight.