The day we stopped guessing - and faced our debt reality We thought we were managing fine… until we added up every credit card, every loan, and every overdraft. The truth hit us hard - and changed how we saw our financial situation. The Wake-Up Call When we built the Debt Reality-Checker , it wasn’t meant to impress anyone. It was meant to shock us into action . We wanted to know: How much we really owed How much interest we were actually paying How much of every payment was

Ok, so this is our first "real" post. And it's short but not so sweet... Defining Debt: What Type Are We Talking About? Let us begin by defining debt - specifically, in the context of this website (Debt2Wealth), what type of debt are we focused on paying off? In our case, our debt is a combination of credit cards, bank overdrafts, and a short-term bank loan (revolving credit). In other words, bad debt . Below is a brief definition of bad debt vs. good debt, courtesy of...

Welcome! If you’re new here, this is the best place to start. Debt2Wealth  is our step by step real journey from being buried in debt to building lasting financial freedom. We’ll be sharing everything honestly: the real numbers, the wins, and the setbacks. This isn’t theory. It’s our story. Who Am I? My name is Joe Debt  - a pseudonym I’ve chosen to protect our privacy as we’ll be disclosing personal details like our total debt, monthly household budget, and financial decisio