A personal essay recounts the author’s experience cutting up their credit cards and removing their card information from all apps to regain control of their finances. The author details their overwhelming debt, the conscious and unconscious spending habits that contributed to it, and the steps taken to address the problem. These steps included creating a budget, building an emergency fund, and focusing on paying off debts using a snowball method. The essay concludes that while the process is ongoing, regaining financial control has significantly improved their well-being.
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